Equity Indexed Annuities MORE ANNUITY PRODUCTS ARE AVAILABLE

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1 quity ndexed nnuities MOR PROC R VLBL Rates and commissions are subject to change without notice. Product availability and benefits may differ from state to state. Please contact Robyn with Marketing Group at ext. 228, for current rates and more product information. -Money Laundering est Must Be Completed oon s Possible!

2 G nnuity and Life nsurance Company.M. Best (+) uperior &P () Very trong PROC G electra Multi-trategy nnuity (P) R CRG PRC R otal Return trategy-no longer available One-r Fixed trategy 3.55% quity ndex trategy Participate in every gain above nnual index spread 0.65% *Monthly average spread of ending &P with an annual Reset. FR WHRWL 10 % of cash value after the first year. Withdrawals will be taken proportionately from each strategy on a LFO basis MMM PRMM $10,000 O PPROV K, M,, OR, W Varies by strategy chosen Original electra still available in M, P RRR CHRG/RR (10 r) 10, 10, 10, 10, 9, 8, 7, 6, 5,4, 0 % Varies By tate HR, Retirement ncome Option, B, MV G 0-80 COMMO ges % rs % rs. 4-6 *30- day window to reallocate100% of the money in the fixed bucket and 30-day window to reallocate 20% of the money in the total return strategy and equity index buckets. 8.95% is the max spread rate on the. Minimum guarantee is 87.5% of premium accumulating at 3% less premium taxes, withdrawals, surrender charges and/or adjustments. Contracts are now owner driven. G ecure ndex nnuity &P 500 ndex nnual Reset Pt-to-Pt $100,000 Premium % Par-Rate 7.50 % Cap G 100 % Par-Rate 6.00 % Cap $100,000 Premium % Par-Rate 6.50 % Cap G 100 % Par-Rate 5.25 % Cap Fixed nterest trategy 3.70 % 10 % of accumulation value each year, starting after year 1. ystematic interest withdrawals in the first year from the Fixed interest strategy only. Only pproved in: M,M, (7 r) % CR Varies by state urrender charges vary by state 0-80 ges % r % rs % on 100 % premium of 1 st year premium less any withdrawals, premium taxes, surrender charges. Current participation rate is 100 % () annual reset, Pt to Pt, equity index strategy. Par rate is guaranteed for life of. Cap is guaranteed for 1 year. (G) 2 % index increase credited each year. nnual reset, Pt to Pt, equity index strategy. Par rate is guaranteed for life of. Cap is guaranteed for 1 year. Withdrawals before age 59 1/2 may result in 10 % federal penalty tax. R/qualified plans are already tax deferred. Guarantees based on claims paying ability of insurer. Contracts are now owner driven.

3 G nnuity and Life nsurance Company.M. Best (+) uperior &P () Very trong 3% on 100% Policy Guarantee! PROC G ecure ndex 5 R CRG PRC R Monthly verage with pread 0.85% under $75K 0.35% Over One-r Fixed ccount 3.70% Pt-to-Pt Cap 6.75% Cap nder $75K 7.50% Cap Over Pt-to-Pt Participation 50% PR under $75,000 55% PR over $75,000 FR WHRWL nterest only in the first year, 10% of ccumulation value in year 2+ MMM PRMM $15,000 O PPROV M, M,, OR, Original version still available in, L, M, P, W RRR CHRG/RR (5 r) 8, 7.5, 6.5, 5.5, 4.5, 0 % HR, B G 0-80 COMMO ges % r % rs. 2-4 *nnuitization is allowed after the first year for a minimum of 10 years. eath Benefit is the accumulation value or the minimum guarantee less surrender. Minimum Guarantee is 1.5% on 100% of premium for the 1 st 9 years of the, then it will be floating between 1.5%-3% each anniversary depending on the 5-yr. treasury less 1.25%. Contracts are now Owner riven. G ecure ndex Opportunities Plus (P) 5% Bonus on nitial Premium Monthly verage with pread 0.95% under $75K 0.55% over Pt-to-Pt Cap 5.75% Cap under $75, % Cap over One ear Fixed ccount 3.25 % Pt-to-Pt Participation 50% PR under $75K 55% over nterest only in the first year, 10% of ccumulation Value in ear 2+ $15,000 K, C,, M, J,, OR, P,, W Original version still approved in M ifferent in * (10 r) 16, 15, 14, 13, 12, 11, 10, 8, 6, 4, 0% B, HR, MV 0-80 ges % *nnuitization is allowed after year 5 for a minimum of 10 years. he eath Benefit is the ccumulation Value or Minimum Guarantee. Minimum Guarantee is 3.00% on 87.5% of premium for the 1 st 10 years of the, then it will be floating between 1.0%-3% each anniversary depending on the 5 yr. treasury less 1.25%. May increase or decrease, also 2.5% applies for s issued in Contracts are now Owner riven. *Max age for sale in the state of is 75 years old. G ecure ndex 7 nnuity &P 500 ndex Monthly verage with pread 0.85% under $75K 0.35% over Pt-to-Pt Cap 7.00% Cap under $75K 7.75% Cap over Pt-to-Pt Participation 50% under $75K 55% Over Fixed nterest trategy 3.95 % nterest only in the first year, 10% of ccumulation Value in year 2+ $15,000 K, M, M,, OR, Original version still approved in, M, J, W (7 r) 10, 10, 10, 10, 9, 8, 7,0 % CR Varies by state urrender charges vary by state 0-80 ges % r % rs 2-5 *nnuitization is allowed after year 1 for a minimum of 10 years-cash surrender value, surrender charges will apply. urrender charges do not apply after the 7 th year, however a minimum of 10 years will still apply. he eath Benefit is ccumulation Value or Minimum Guarantee less surrender. he Minimum Guarantee is 3.00% on 100% of premium for the 1 st 7 years of the, then it will be floating between 1.0%-3.0% each anniversary depending on the 5 yr treasury less 1.25% (May increase or decrease, also 2.5% applies for s issued in 2005) Contracts are now Owner riven.

4 merican quity nvestment Life nsurance Company.M. Best (-) 05-K-02 ew Product as of Feb 1, 2007! 6 R Product vailable ntegrity Gold Call for more details. PROC Bonus Gold RV 10 % Premium Bonus* on otal nitial Premium 5% Bonus R CRG PRC R &P 500 nnual Monthly vg % Cap or 75% Par o Cap &P 500 nnual Pt-to-Pt 6.50 % Cap or 50% Par o Cap &P 500 Monthly Pt-to-Pt 2.50 % Cap 0 % sset Fee ow Jones nnual Monthly vg % Cap 0 % sset Fee ow Jones nnual Pt-to-Pt 6.50 % Cap 0% sset Fee Lehman Brothers ggregate 5.00 % Cap 0 % sset Fee Fixed ccount 3.35 % FR WHRWL 10 % of value each year, starting in yr. 2. ystematic withdrawals & RM immediately from Fixed Value. MMM PRMM O PPROV ndex 1-05 K,, G, M, M, OK, V ot vailable K, L, C, M,, OR,, W RRR CHRG/RR (16 r) 20,19.5, 19, 18.5, 18, 17.5, 17, 16, 15, 14,12, 10,8,7,6,4,2,0 % ges (9 r) 9,8,7,6,5,4,3,2,1,0% CR-2, R-1 G 0-80 COMMO 8.00 % ges % ges % ges % (ifferent in, K, M, M,, P, C, V, V) ges % ges % ges % ges % ifferent in OK ges % ges % ges % ges % **Varies by tate. MGV equals 80 % of your 1 st year premiums and Premium Bonus at 3.00%, plus 87.5 % of any additional premiums, less any withdrawals proceeds, accumulated at the MGR. sset fee is set at issue and guaranteed for life of the. Caps are set at issue, adjusted annually and never less than 4 % or 1 % for the Mon. Pt-to-Pt Value.** ncome Gold ndex % Premium Bonus and Life ime ncome Rider growing at 5% a year &P 500 nnual Monthly vg. 70 % Par-Rate or 8% Cap 100%PR &P 500 nnual Pt-to-Pt 45 % Par-Rate or 6.00% Cap100%PR &P 500 Monthly Pt-to-Pt 2.20 % Cap 100 % Par-Rate Lehman Brothers reasury nnual Pt-to-Pt 4.50 % Cap 100% Par-Rate Fixed ccount 3.10 % 10 % of value each year, starting in yr. 2. ystematic withdrawals & RM immediately from Fixed Value. K, L, C,, FL, H, M, M, M, J, OR, P,, V, W (12 r) 15,14,13,12,11,10,8.5,7, 5.5,4,2.5,1,0% % CR-2, R-1 Lifetime ncome Benefit Rider at no charge % ges % ges % ges % Par-rate guaranteed for one year and is never less than 35 %*. eath Benefit - Greater of value or Minimum Guaranteed urrender Value at first to die of Owner or nnuitant.**varies by state Policies Minimum Guarantee 82.50% accumulating at 3.00% with bonus included, plus 87.5% additional premium, less withdrawal proceeds, at MGR, compounded annually. Lifetime ncome Rider is available at no cost to the client. Percentage of lifetime payments is based on age the rider is exercised. ge %, ge %, ge %, 80+ 7% for the lifetime of the client. Freedom Gold 4-07 RV Future Gold ndex 4-05 &P 500 nnual Monthly vg % Cap or 75% Par o Cap &P 500 nnual Pt-to-Pt 6.50 % Cap or 50% Par o Cap Lehman Brothers reasury nnual Pt-to-Pt 5.00 % Cap 0 % sset Fee &P 500 Monthly Pt-to-Pt vail. in all states except W 2.50 % Cap 0 % sset Fee Fixed ccount 3.35 % &P 500 nnual Monthly vg. 9 % Cap w/ 100% Par or 75% Par &P 500 nnual Pt-to-Pt 6.50 % Cap w/ 100% Par or 50% Par &P 500 Monthly Pt-to-Pt 2.35 % Cap 0 % sset Fee Lehman Brothers ggregate nnual Pt-to-Pt 5.00 % Cap 0 % sset Fee Fixed ccount 3.35 % 10 % of value each year, starting in yr. 2. ystematic withdrawals & RM immediately from Fixed Value. 10 % of value each year, starting in yr. 2. ystematic withdrawals & RM immediately from Fixed Value. ndex-30, M, M, P, V, W sset Fees and Caps may apply in M. ot vailable L,, OR ot vailable for Future Platinum or Future Gold K, L, C,, L, M, OR,, P,, W (8 r) 9, 8, 7, 6, 5, 4, 3, 1.5, 0 % CR-2, R-1 iff. in M 7% all 7 ears (12 r) 12.5,12.5,12.5,11.5,10.5,9. 5,8.5,7.5,6.5,5,3.5,2,0 % CR-2, R-1 Check state availability ges 81+ (9 r) 9,8,7,6,5,4,3,2,1,0% Future Gold ndex 28 is still available in the following states: FL, M, M, OH, C, W. Min Policy guarantee is 87.5% accumulating at 3% minus premium withdrawals % ges 0-75 / iff. in M 5.25 % ges ges % ges % iff. in M % ges 0-75 ges % ges % ges %

5 llianz Life nsurance Company of orth merica.m. Best () &P (-) PROC Masterex nnuity R CRG PRCPO R &P 500 Monthly Pt-to-Pt nnual Reset 100 % Par-Rate 2.60 % Cap asdaq Monthly Pt-to-Pt nnual Reset 100 % Par-Rate 2.60 % Cap Fixed nterest 2.75 % FR WHRWL Following first year or 12 months after additional premium has been added, 10 % of premium annually up to 50 % cumulative lifetime. MMM PRMM $25,000 O PPROV, OR, W Clean eath benefit not approved yet in: L RRR CHRG (7 r) 10,9,8,7,6,5,4,0 % HB, B, dea Benefit (Riders not available in all states) Full ccumulation at death as of G COMMO Opt. ges % First ear 3.50 % rs. 2-3 ges % Opt. B ges % First ear 2.62 % rs. 2-3 w/0.5 % trail yrs. 2+ Opt. C ges % First ear 1.50 % rs. 2-3 w/ 1 % trail yrs. 2+ ifferent in L, K 100 % Par-Rate guaranteed for life of. Minimum guaranteed is the sum of 75 % of premium paid in the first policy year plus 87.5 % of premium paid after the first policy year, minus any withdrawals, all accum. t 3 % interest, compounded annually. Minimum monthly cap is 1 %. Minimum for fixed interest is 1.5 %. P cap is.20 lower. Masterex 5 nnuity 5 % Premium Bonus during first 5 Policy &P 500 Monthly Pt-to-Pt nnual Reset 100 % Par-Rate 2.30 % Cap asdaq Monthly Pt-to-Pt nnual Reset 100 % Par-Rate 2.30 % Cap ears*! Fixed nterest 2.50 % Following first year or 12 months after additional premium has been added, 10 % of premium annually up to 50 % cumulative lifetime. $25,000, OR, W Clean eath benefit not approved yet in: L (10 r) 15,15,15,15,12.86, 10.71,8.57,6.43,4.29, 2.14,0%. Full ccumulation at death as of Opt. ges % First ear 4.50 % rs. 2-5 ges % Opt. B ges % First ear 3.50 % rs. 2-5 w/.5 % trail yrs. 2+ Opt. C ges % First ear 2.25 % rs. 2-5 w/ 1 % trail yrs. 2+ iff. in L, C, K 3.00 % BO in L, C,, K, P. 100 % Par-Rate guaranteed for life of. Minimum guaranteed is the sum of 80 % of premium paid in the first policy year plus 87.5 % of premium paid after the first policy year, minus any withdrawals, all accum. t 3 % interest, compounded annually. Minimum monthly cap is 1 %. Minimum for fixed interest is 1.5 %. P cap is.20 lower, P 3% bonus. Masterex 10 nnuity 10% Premium Bonus during first 5 Policy &P 500 Monthly Pt-to-Pt nnual Reset 100 % Par-Rate 3.00 % Cap asdaq Monthly Pt-to-Pt nnual Reset 100 % Par-Rate 3.00 % Cap ears! Fixed nterest 3.25 % Following first year or 12 months after additional premium has been added, 10 % of premium annually up to 50 % cumulative lifetime. J,, OR,, W Lump sum at walk away equals 87.5 % of premium accumulated at 1.50 % for each year of deferral. nnuitization value if annuitized. (urrender charge applies at death if taken as a lump sum accum. value is taken over 5 years) Opt. ges % First ear 4.50 % rs. 2-5 ges % Opt. B ges % First ear 3.50 % rs. 2-5 w/.5 % trail yrs. 2+ Opt. C ges % First ear 2.25 % rs. 2-5 w/ 1 % trail yrs % Par-Rate guaranteed for life of. Minimum guaranteed is the sum of 75 % of premium paid in the first policy year plus 87.5 % of premium paid after the first policy year, minus any withdrawals, all accumulation at 3 % interest, compounded annually. Minimum monthly cap is 1 %. Minimum for fixed interest is 2.00 %.

6 Lincoln Benefit Life.M. Best (+) &P () Life ime ncome Riders on the Plus and Premier! PROC avers ndex R PRC R CRG &P 500 nnual Pt-to-Pt 60% Par-Rate 8.00% Cap, 7.50% Cap ( $100K) &P 500 nnual Pt-to-Pt 100% Par-Rate 7.00% Cap, 6.50% Cap ( $100K) Policy Guarantee: 90% ROP: if elected, the cap will be reduced by the cost of FR WHRWL 10% of accumulated value as of the start of each year after the first anniversary. MMM PRMM $10,000 $3,000 dditions must be at least $250. O PPROV OR,, V RRR CHRG/RR (10 ear) 10,9,8,7,6,5,4,3,2,1% HR, R,, B, ROP(Check state availability). Bailout Provision: Viewed at anniversary date waiving surrender charges if the cap is reduced by 2% or more from the rate for the first year of that indexed account. G 0-90 Owner nnuitant COMMO 8.00 % ges % ges Please contact PFG for commission on additional premiums rail Commissions vailable nnual increases are locked in on each anniversary and a new calculation starting point is established. ncome options are lifetime income, joint and survivor lifetime income or payments for a fixed number of years. eath benefit is at the owner s death, equal to the greater of the accumulated value less premium tax or the value less withdrawals. Bailout provision: Viewed at anniversary. aver s ndex nnuity Plus (P) &P ear nnual Reset 100% Par-Rate 8.00% cap, 7.50% cap ( $100K) &P ear Low Watermark 100% Par-Rate nnual Reset 7.75% cap, 7.25% cap ( $100K) &P ear Monthly verage 100% Par-Rate nnual Reset 12.00% Cap, 11.00% Cap ( $100K) &P 500 Monthly Cap 100% Par-Rate 2.30% Cap, 2.20% ( $100K) 1 ear Fixed ccount: 3.90% 10% free withdrawal each year after the first without subject to a withdrawal charge.* $10,000 M, J,, W (5 ear) 8,8,7,6,5% ROP*, HR, R,, ctivities of aily Living* (Check state availability), Lifetime ncome Rider ROP Rider Costs*: 1 r. nnual Reset 0.75 Low Watermark 0.75 Monthly verage 1.50 Monthly Cap 0.25 Fixed ccount % ges % ges *Withdrawals will be pro-rated unless you specify from which investment alternative the money is to come. ctivities of daily Living Waiver states that the owner can withdraw the value without withdrawal charges if two or more of the six defined ctivities of aily Living cannot be performed. he owner must wait until after the first year and there is a 90-day elimination period before they can utilize this feature. *ROP Costs will reduce the index and fixed account caps by the amounts listed above if this option is selected. Minimum Guaranteed Value: 2% on 100% less withdrawal charges. aver s ndex nnuity Premier (P) 3%* Bonus on nitial Premium Only! &P ear nnual Reset 100% Par-Rate 7.00% cap, 6.50% cap ( $100K) &P ear Low Watermark 100% Par-Rate nnual Reset 6.87% cap, 6.37% cap ( $100K) &P ear Monthly verage 100% Par-Rate nnual Reset 11.00% Cap, 10.00% Cap ( $100K) &P 500 Monthly Cap 100% Par-Rate 2.10% Cap, 2.00% ( $100K) 1 ear Fixed ccount: 3.40% 10% free withdrawal each year after the first without subject to a withdrawal charge.* $10,000 C, L, M, M, J,, P,, W (10 ear) 12,11,10,9,8,7,6,5,4,3% HR, R,, ctivities of aily Living* (Check state availability), Life ime ncome Rider 7.25% ges % ges rail Commissions vailable *Withdrawals will be pro-rated unless you specify from which investment alternative the money is to come. ctivities of daily Living Waiver states that the owner can withdraw the value without withdrawal charges if two or more of the six defined ctivities of aily Living cannot be performed. he owner must wait until after the first year and there is a 90-day elimination period before they can utilize this feature. Minimum Caps on Renewal: nnual Reset, Low Watermark, and Monthly verage 2.50% Cap, Monthly Cap 1.00%, Fixed ccount 2.50%. Minimum Guaranteed Value: 2.5% on 100% less withdrawal charges. he minimum floor interest rate credited in one year guaranteed not to be less than 0%. *Credit enhancement is considered to be gain for tax purposes.

7 orth merican Company For Life & Health nsurance.m. Best (+) xcellent & P () Very trong F-P-C year only OW VLBL in Minnesota! CLL FOR L. PROC Charter eries 7 ear R CRG PRC R aily vg. Pt-to-Pt &P % 5.95% J M 8.30% 6.05% &P % 6.20% Russell % 5.95% -100 / 5.70% J uroo 50 / 6.95% Lehman Brothers g 3.60% Monthly Pt-to-Pt Cap 2.10 % Fixed ccount 3.45% 100% Participation FR WHRWL 10% of your current ccumulation Value twice each year after the first anniversary without surrender charges or interest adjustments. MMM PRMM O PPROV L,, M, M,,OR, P,, Lehman Brothers ndex not vailable in M,, V, W RRR CHRG/RR (7 ears) 10,9,8,7,6,4,2% HR, +/- MV HR not available in or M MV does not apply in M G COMMO 8.50% ges % in M, V, 6.375% ges % in M, V, 4.25% ges % in M,V, * nnuitization allowed after the 5 th year for a minimum of 5 years period certain or to elect a life annuity payout option based on the accumulation value after the first year. eath Benefit of Full ccumulation Value will be paid in either a lump sum or series of income payments. For s with premium of $400,000 or more, commissions will be held for a 30 day free look period in all states. Charter eries 10 ear 6% Bonus on all payments received during the first 7 years! aily vg. Pt-to-Pt &P % 5.25% J M 7.00% 5.40% &P % 5.60% Russell % 5.35% -100 / 5.10% J uroo 50 / 6.20% Lehman Brothers g 3.30% Monthly Pt-to-Pt Cap 2.00 % Fixed ccount 3.10% 100% Participation 10% of your current ccumulation Value twice each year after the first anniversary without surrender charges or interest adjustments. L,, M, M, M,,OR, P,, W Lehman Brothers ndex not vailable in V, (10 ears) 15,14,13,12,11,10,8,6,4,2% HR, +/- MV HR not available in or M % ges % in V, 6.375% ges % in V, * nnuitization allowed after the 5 th year for a minimum of 5 years period certain or to elect a life annuity payout option based on the accumulation value after the first year. eath Benefit of Full ccumulation Value will be paid in either a lump sum or series of income payments. For s with premium of $400,000 or more, commissions will be held for a 30 day free look period in all states. Charter eries 14 ear 11% Bonus on all payments received during the first 7 years! aily vg Pt-to-Pt &P % 5.25% J M 7.00% 5.35% &P % 5.60% Russell % 5.30% -100 / 5.10% J uroo 50 / 6.15% Lehman Brothers g 3.30% Monthly Pt-to-Pt Cap 2.00 % Fixed ccount 3.10% 100% Participation 10% of your current ccumulation Value twice each year after the first anniversary without surrender charges or interest adjustments. L,, M, M, M,,OR, P,, W Lehman Brothers ndex not vailable in V, (14 ears) 18,18,17,15,15,15,15, 14,12,10,8,6,4,2% HR, +/- MV HR not available in or M % ges % in V, * nnuitization allowed after the 5 th year for a minimum of 10 years period certain or to elect a life annuity payout option based on the accumulation value after the first year. eath Benefit of Full ccumulation Value will be paid in either a lump sum or series of income payments. For s with premium of $400,000 or more, commissions will be held for a 30 day free look period in all states

8 orth merican Company For Life & Health nsurance.m. Best (+) xcellent & P () Very trong F-P-C year only OW VLBL in Minnesota! CLL FOR L. PROC Precision eries 7 ear R CRG PRC R Par Rates aily vg. Pt-to-Pt &P `% 55 % J M 85 % 60 % &P % 50 % Russell % 45% asdaq 100 / 40% J uroo 50 / 65% Lehman Brothers gg 50% CP pplied Last nnual Pt-to-Pt 7.00 % nnual Pt to Pt Lehman 6.00% Monthly Pt-to-Pt Cap 2.10 % Fixed ccount 3.45 % FR WHRWL 10% of your current ccumulation Value twice each year after the first anniversary without surrender charges or interest adjustments. MMM PRMM O PPROV L,, M, M,,OR, P,, Lehman Brothers ndex not vailable in M,, V, W RRR CHRG/RR (7 ears) 10,9,8,7,6,4,2% HR, +/- MV HR not available in or M MV does not apply in M G COMMO 8.50% ges % in M, V, 6.375% ges % in M, V, 4.25% ges % in M,V, * nnuitization allowed after the 5 th year for a minimum of 5 years period certain or to elect a life annuity payout option based on the accumulation value after the first year. eath Benefit of Full ccumulation Value will be paid in either a lump sum or series of income payments. For s with premium of $400,000 or more, commissions will be held for a 30 day free look period in all states. Precision eries 10 ear 6% Bonus on all payments received during the first 7 years! Par Rates aily vg. Pt-to-Pt &P % 50 % J M 75 % 55 % &P % 45 % Russell % 40% asdaq 100 / 35% J uroo 50 / 60% Lehman Brothers g 45% CP pplied Last nnual Pt-to-Pt 6.50 % nnual Pt-to-Pt Lehman 6.00% Monthly Pt-to-Pt Cap 2.00 % Fixed ccount 3.10 % 10% of your current ccumulation Value twice each year after the first anniversary without surrender charges or interest adjustments. L,, M, M, M,,OR, P,, W Lehman Brothers ndex not vailable in V, (10 ears) 15,14,13,12,11,10,8,6,4,2% HR, +/- MV HR not available in or M % ges % in V, 6.375% ges % in V, * nnuitization allowed after the 5 th year for a minimum of 5 years period certain or to elect a life annuity payout option based on the accumulation value after the first year. eath Benefit of Full ccumulation Value will be paid in either a lump sum or series of income payments. For s with premium of $400,000 or more, commissions will be held for a 30 day free look period in all states. Precision eries 14 ear 11% Bonus on all payments received during the first 7 years! Par Rates aily vg. Pt-to-Pt &P % 55 % J M 75 % 60 % &P % 50 % Russell % 50% asdaq 100 / 45% J uroo 50 / 75% Lehman Brothers g 45% CP pplied Last nnual Pt-to-Pt 6.00 % nnual Pt-to-Pt Lehman 6.00% Monthly Pt-to-Pt Cap 2.00 % Fixed ccount 3.10 % 10% of your current ccumulation Value twice each year after the first anniversary without surrender charges or interest adjustments. L,, M, M, M,,OR, P,, W Lehman Brothers ndex not vailable in V, (14 ears) 18,18,17,15,15,15,15, 14,12,10,8,6,4,2% HR, +/- MV HR not available in or M % ges % in V, * nnuitization allowed after the 5 th year for a minimum of 10 years period certain or to elect a life annuity payout option based on the accumulation value after the first year. eath Benefit of Full ccumulation Value will be paid in either a lump sum or series of income payments. For s with premium of $400,000 or more, commissions will be held for a 30 day free look period in all states.

9 orth merican Company For Life & Health nsurance.m. Best (+) xcellent & P () Very trong F-P-C1045 G merican General Life.M. Best (++) &P () PROC orth merican Classic R CRG PRC R Par Rates aily vg. Pt-to-Pt &P % 60 % J M 85 % 65 % &P % 60 % Russell % 55 % asdaq 100 / 55 % CP aily vg. / Pt-to-Pt 12 % Monthly Pt-to-Pt Cap 2.20 % Fixed ccount 3.60 % FR WHRWL 10 % of accumulation value twice each year after first year. MMM PRMM O PPROV L, M, M, M,, OR, W RRR CHRG/RR (10 r) % CR, B *CR not available in, M G 0-79 COMMO 7.00 % ges % rs. 2-3 Red. 25 % ges 76+ 2% commission Bonus: CLL FOR L varies by state he monthly pt-to-pt option is only available with the &P 500 index. Caps applied before Par-Rate for the annual reset. Par-Rate is guar. for the first year, declared in advance each year thereafter, and is guar. never to be less than 20 %. ndex Crediting Methods - nnual Reset: nnual Pt-to-Pt (subject to ndex cap rate and guar. never to be less than 10 % ), aily vg. and Mon. Pt-to-Pt (subject to ndex cap rate and guar. never to be less than 1 % ) Commission adjustment-, V 1% less. For s with premium of $400,000 or more, commissions will be held for a 30 day free look period in all states. orth merican Classic Plus 10 % Premium Bonus ears 1-5 Par Rates aily vg. Pt-to-Pt &P % 50 % J M 70 % 50 % &P % 50 % Russell % 45 % asdaq 100 / 45 % CP aily vg. / Pt-to-Pt 12 % Monthly Pt-to-Pt Cap 2.00 % Fixed ccount 3.00 % 10 % of accumulation value twice each year after first year. L, C, M, M, M,, OK, OR,, W (14 r) % CR, B *CR not available in, M % ges % rs % commission Bonus: CLL FOR L varies by state he monthly pt-to-pt option is only available with the &P 500 index. Caps applied before Par-Rate. Par-Rate is guar. for the first year, declared in advance each year thereafter, and is guaranteed never to be less than 20 %. ndex Crediting Methods - nnual Reset: nnual Pt-to-Pt (subject to ndex cap rate and guar. never to be less than 10 % ), aily vg. and Mon. Pt-to-Pt (subject to ndex cap rate and guaranteed never to be less than 1 % ) MGCV equals 87.5 % of prem., less withdrawals, accum. at the min. guar. interest rate. Commission adjustment in, V-1% less. For s with premium of $400,000 or more, commissions will be held for a 30 day free look period in all states. nnuitization allowed after the 5 th year for a period of 10 years period certain or after year 1 for a life contingency option. Horizon MultiValue (P) 15 R Product! 5 ear- 2.00% Premium Bonus 5 r. Fixed ccount 3.40% 10 ear-2.00% Premium Bonus 5 r Fixed ccount 3.55% 15 ear-3.00% Premium Bonus 5 r. Fixed ccount 3.65% Other Crediting options vailable Monthly Pt to Pt 2.20% nnual Pt to Pt 7.00% 5 r. Pt to Pt 15.00% pread 10% in all years, includes partial and systematic withdrawals. $20,000 K,, L, M, J,, OR, P,, V, W nnutization required for ages 76+ for the client to receive full accumulation value at death. (5 ear) 1 st erm-17,16,15,14,13% 2 nd erm-10,9,8,7,6% 3 rd erm-5,4,3,2,1% (10 ear) 1 st erm- 17,16,15,14,13,10,9,8,7,6% 2 nd erm-5,4,3,2,1% (15 ear) 17,16,15,14,13,10,9,8,7, 6,5,4,3,2,1% (5 ear) (10 ear) 0-80 (15 ear) ear 4.00% ges % ges ear 7.00% ges % ges ear 9.00% ges 0-75 Fixed account is set for 5 years on all options. he guarantee minimum surrender value is 90% 3.00%. eath Benefit is the annuity value to age 75, issue ages 76+ is the withdrawal value, return of premium guarantee, or annuity value if annuitized. nnuitization is allowed after the 5 th year for a minimum of 5 years. Walk away at the end of the 15 year period. G Horizon ndex nnuity (P) 1 r. Monthly Pt-to-Pt ndexed account 2.20 % Cap 2 r. Pt-to-Pt ndexed ccount % Cap 9 r. First ear Call for details Premium BO 3.00 % 12 r. First ear Call for details Premium BO 4.00 % 9r. Fixed Rate 3.45 % Gtd. 6rs. 12r.Fixed Rate 3.45 % Gtd. 9rs. 10% in years 2 + includes partial and systematic withdrawals. *C, M, J,, OK, OR,, V, W *C only 9 year is approved (9 r) % (12 r) % +/- MV (urrender charge applies at death if taken as a lump sum annuity value if taken over 5 years). Lump sum available at death will reduce first year bonus R s 9 ear 6.00 % ges % ges % ges ear 8.00 % ges % ges % ges Caps are guaranteed for 1 yr. on the 1 yr. strategy with a minimum cap of 1 % and 2 yrs. on 2 yr. strategy with a min. cap of 5 %. Min. for fixed act. s 2 %. Withdrawal value never to be less than 90 % of premium, less prior partial withdrawals, accumulated at a 3 % effective annual interest rate (or higher if required by some states). Reduced Commissions in M, P, OR, and W. Call for etails.

10 Fidelity and Guaranty Life nsurance Company Baltimore, M.M. Best () 6 % ccount Value scalator* PROC Loyalty Rewards scalator 6 FGL FP-(C) ( ) R CRG PRC R 1 r. &P 500 Monthly Pt-to-Pt 2.80 % Monthly Cap 1 r. &P 500 nnual Pt-to-Pt 7.25 % Cap 1 r. &P 500 Monthly verage 9.00 % Cap Floating tates Fixed nterest 2.65 % FR WHRWL Free withdrawals up to 10 % of the account value annually (after the end of the first year). MMM PRMM $10,000 ($2,000 Per Option) O PPROV, OR, V, W RRR CHRG/RR (6 r) 9,9,8,7,6,5,0 % R, CR, W G COMMO 4.00 % ges % ges 8 *he account value escalator 6 will pay a bonus interest rate of 6 % on any first year premiums payments, credited at a 1 % annual interest rate for 6 years. he MGV for a full surrender is 87.5 % of premium, plus daily interest accruing at the MGV accumulation interest rate, less any amount previously surrendered and adjusted for any MGV reallocation. he interest rate is set at issue and is fixed for the life of the between 1 % and 3 %, depending upon what is approved in your state. 1.5 % tate M, W Fixed account 1.50%. 2.45% state is C, M,, L fixed account 3.00%, the remaining are floating at 2.45%, Fixed ccount 2.45 % Fidelity and Guaranty Life is a member of the Old Mutual Financial etwork (OMF). OMF is a part of the Old Mutual group of companies. Working throughout its network of established insurance companies, OMF is committed to delivering innovative and balanced financial solutions. nnuitization allowed anytime for a min period of 5 years certain. pectrum Rewards Choice 7 FGL FP- (C) (97B) 1-ear &P 500 Monthly Pt-to-Pt 2.50 % Monthly Cap 1-ear &P 500 nnual Pt-to-Pt 8.00 % Cap 1-ear &P 500 Monthly vg % Cap Floating tates Fixed ccount 3.40 % Free withdrawals up to 10 % of the account value annually (after the end of the first year). $25,000 ($2,000 Per Option) C, M,,, OK, OR,, W, only approved for Monthly Pt to Pt option (7 r) 12,11,10,8,6,4,2 % CR, R, W % ges % ges 8 W/rail 5.75 % ges % ges 8 Par-rate is 100 % guaranteed for life of. Caps are declared in guaranteed for the index crediting period. ubject to a 1 % min. cap per month for monthly pt-to-pt, 3 % min. cap per year for annual pt-to-pt and monthly average. MGV 100 % of premium at MGV accumulation interest rate, a rate set at issue (fixed for the life of the ) between 1 % and 3 %, depending on what is approved in the issue state less any all applicable surrender charges % tates M and W Fixed ccount 1.50%.. ll the rest of the states are floating at 2.45% Fixed ccount 3.00%. nnuitization allowed after the 5 th year for a minimum of 5 years certain. pectrum Rewards Choice 9 FGL FP- (C) (99B) 3 % Premium Bonus* Floating tates 1-ear &P 500 Monthly Pt-to-Pt 2.25 % Monthly Cap 2-ear &P 500 Monthly Pt-to-Pt 2.50 % Monthly Cap 3-ear &P 500 Monthly Pt-to-Pt 3.00 % Monthly Cap Fixed ccount 3.00 % Monthly verage 9.00% cap nnual Pt-to-Pt 7.25% cap Free withdrawals up to 10 % of the account value annually (after the end of the first year). $25,000 ($2,000 Per Option) C, M,,, OK, OR,, V, W only approved for Monthly Pt to Pt option (9 r) 12,11,10,9, 8,7,6,4,2 % CR, R, W % ges % ges 8 *Bonus paid immediately on any premium credited in the first year. Par-rate is 100 % guaranteed for life of. Caps are declared in guaranteed for the index crediting period. ubject to a 1 % minimum cap per month. MGV 100 % of premium at MGV accumulation interest rate, a rate set at issue (fixed for the life of the ) between 1 % and 3 %, depending on what is approved in the issue state less any all applicable surrender charges. 1.5 % tates M and W Fixed ccount is 1.50%. ll the rest of the states are floating at 2.45% Fixed ccount 3.00%. Home office approval is needed for amounts over 1 million and commissions are different. nnuitization allowed after the 5 th year for a minimum of 5 years certain. ndex Rewards FGL P-CO3 (C)(8-2002) Floating tates &P 500 Monthly verage 100 % Par-Rate % Cap &P 500 Pt-to-Pt 100 % Par-Rate 8.50 % Cap ow Jones Monthly verage 100 % Par-Rate % Cap ow Jones Pt-to-Pt 100 % Par-Rate 8.50 % Cap Fixed ccount 3.55 % Free withdrawals up to 10 % of the account value annually (after the end of the first year). ($2,000 per option) M,,, OK, OR, W (10 r) 10,10,10,10,10, 8,6,4,2,1 % CR, R, W Check tate vailability % ges % ges 8 Current cap changes yearly. Min. cap is 5 %. Minimum Guarantee varies by state. 1.5% states have a 1.50% on 100% policy guarantee. Floating states have a 2.90% on 100% policy guarantee. May vary by state. ubject to state availability. Restrictions may apply. 1.5% tates FL, M, W. 3.00% are for floating states. nnuitization allowed after the 5 th year for a minimum of 5 years certain.

11 Fidelity and Guaranty Life nsurance Company Baltimore, M.M. Best () W PROC L! 3.00% on 100% Policy Guarantee on all options! PROC he afety ndex 4 R CRG &P % Participation Monthly Pt to Pt 2.75% cap, 2.50% ( $100K) nnual Pt to Pt 9.00% cap, 8.00% ( $100K) Mon. ver. With a cap 11.00% cap, 9.50% ( $100K) Mon. ver. With a spread o Caps 1.75% pread, 2.25% ( $100K) Fixed ccount 3.45% cap, 3.15% ( $100K) FR WHRWL ach policy year, after the end of the first, 10% of the account value is available as of the prior policy anniversary, less any prior free withdrawals taken during the current year. MMM PRMM $15,000 $2,000 per option O PPROV R, M, M, M, M,, C,, OH, OK,OR, P,, V, W RRR CHRG/RR (4 ears) 9,9,8,7,0% HR, R, G 0-90 COMMO 3.00 % ges % ges * Caps and spreads are declared and guaranteed for the index crediting period (subject to a 1% minimum cap per month for monthly pt to pt, 3% minimum cap per year for the annual pt to pt and monthly average. he maximum spread is 9.00%. ssue dates are the 1 st, 8 th, 15 th and 22 nd of every month. MC WHRWL: the client can chose an automatic payment of either a specific amount or interest only on a recurring basis. urrender charges may apply. Minimum payment per mode is $100, frequency can be monthly, quarterly, semi-annually, or annually. Rate protection for 1035/transfers is 60 days. Minimum Guaranteed urrender Value is 3% on 100%. he afety ndex 7 &P % Participation Monthly Pt to Pt 3.15% cap, 2.90% ( $100K) nnual Pt to Pt 9.25% cap, 8.25% ( $100K) Mon. ver. With a cap 12.00% cap, 10.50% ( $100K) Mon. ver. With a spread o Caps 1.50% pread, 2.00% ( $100K) Fixed ccount 3.45% cap, 3.15% ( $100K) ach policy year, after the end of the first, 10% of the account value is available as of the prior policy anniversary, less any prior free withdrawals taken during the current year. $15,000 $2,000 per option R, M, M, M, M,, C,, OH, OK,OR, P,, V, W (7 ears) 10,10,10,9,8,7,6,0% 9,9,8,7,6,5,4,0% HR, R, 6.00 % ges % ges * Caps and spreads are declared and guaranteed for the index crediting period (subject to a 1% minimum cap per month for monthly pt to pt, 3% minimum cap per year for the annual pt to pt and monthly average. he maximum spread is 9.00%. ssue dates are the 1 st, 8 th, 15 th and 22 nd of every month. MC WHRWL: the client can chose an automatic payment of either a specific amount or interest only on a recurring basis. urrender charges may apply. Minimum payment per mode is $100, frequency can be monthly, quarterly, semi-annually, or annually. Rate protection for 1035/transfers is 60 days. Minimum Guaranteed urrender Value is 3% on 100%. he afety ndex 10 &P % Participation Monthly Pt to Pt 3.25% cap, 3.00% ( $100K) nnual Pt to Pt 9.50% cap, 8.25% ( $100K) Mon. ver. With a cap 12.50% cap, 11.00% ( $100K) Mon. ver. With a spread o Caps 1.25% pread, 1.75% ( $100K) Fixed ccount 3.65% cap, 3.35% ( $100K) ach policy year, after the end of the first, 10% of the account value is available as of the prior policy anniversary, less any prior free withdrawals taken during the current year. $15,000 $2,000 per option R, C,M, M, M, M,, C,, OH, OK,OR, P,, V, W (10 ears) 10,10,10,9,8,7,6,5,4,3,0,% HR, R, 7.00 % ges % ges * Caps and spreads are declared and guaranteed for the index crediting period (subject to a 1% minimum cap per month for monthly pt to pt, 3% minimum cap per year for the annual pt to pt and monthly average. he maximum spread is 9.00%. ssue dates are the 1 st, 8 th, 15 th and 22 nd of every month. MC WHRWL: the client can chose an automatic payment of either a specific amount or interest only on a recurring basis. urrender charges may apply. Minimum payment per mode is $100, frequency can be monthly, quarterly, semi-annually, or annually. Rate protection for 1035/transfers is 60 days. Minimum Guaranteed urrender Value is 3% on 100%.

12 Fidelity and Guaranty Life nsurance Company Baltimore, M.M. Best () 6% 1 st ear Premium Bonus! ational Western Life.M. Best (-) &P (+) PROC ndex Rewards 5 FGL P-CO3 (2-2003) Floating tates R CRG PRC R &P 500 Monthly verage 100 % Par-Rate % Cap &P 500 Pt-to-Pt 100 % Par-Rate 8.00 % Cap ow Jones Monthly verage 100 % Par-Rate % Cap ow Jones Pt-to-Pt 100 % Par-Rate 8.00 % Cap FR WHRWL Free withdrawals up to 10 % of the account value annually (after the end of the first year). MMM PRMM $2,000 per option O PPROV,, OK, OR RRR CHRG/RR (5 r) 9,8,7,6,5 % CR, R, W Riders Vary by tate G COMMO 4.00 % ges % ges Fixed ccount 3.50 % Par-rate is 100 % guaranteed life of. Current cap changes yearly. Minimum cap is 5 %. 1.5% states: Minimum nterest rate is 1.5 % on 100 % of premium. 1.5 % tates R, FL, M, W. ll other states are floating with a minimum interest rate of 3.00% on 100% policy guarantee. Rates are the same except. Fidelity and Guaranty Life is a member of the Old Mutual Financial etwork (OMF). OMF is a part of the Old Mutual group of companies. Working throughout its network of established insurance companies, OMF is committed to delivering innovative and balanced financial solutions. nnuitization allowed after the 5 th year for a period of 5 years certain. pectrum Choice Bonus &P year Monthly Pt-to-Pt 100% Par-Rate 2.25 % Cap &P ear Monthly Pt-to-Pt 100 % Par-Rate 3.00 % Cap &P ear Monthly Pt-to-Pt 100% Par-Rate 3.50 % Cap Fixed ccount 2.50% Monthly verage 9.50% Cap nnual Pt to Pt 7.50% Cap 10% of prior anniversary value after the first year. ot to exceed 25% of the total premium throughout life of the. $10,000 ($2,000 per option) $2,000 additional C, M, M,, OR,, V, W (14 r) ges , 16.5, 15.5, 14.5, 13.5, 12.5, 11.5, 10.5, 9.5, 8.5, 7.5, 6.5, 5.5, 4.5 % ges , 13.25, 13, 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 2 % B, CR, R, W,, R % ges % ges 8 *6% up front premium bonus on first year premiums only. MGV: 87.5% of the MGV accumulation interest rate, a rate set at issue (fixed for the life of the ) between 1% and 3%, depending on the issue state. ccount value reallocation annually at policy anniversary. 1.5% states are- M, W fixed account 1.50%. 2.45% states are C and L fixed account is 3.00%. ll other states are floating at 2.45% with a fixed account of 2.45%. nnuitization allowed after the 5 th year for a minimum of 5 years certain. WL ltra Classic Opt. quity ndexed nterest Rate- nnual Reset w/ Mon. vg. 100 % Par-Rate 0 % sset Fee 1 st yr Opt. nnual ndexed nterest Rate-nnual Reset w/monthly Cap 2.50% Monthly Cap Fixed nterest Rate 4.50 % Free withdrawals up to 10 % of the account value annually (after the end of the first year) up to a max of 50%. L, C,, FL, L,, M, M, J,, OR, P,, W (13 r) 15,14.75,14,13,12.25, 11.25, 10.50, 9.75, 8.75, 8, 6,4,2,0 % Medical tay Waiver, R, ccidental eath. (urrender charges apply at death if taken as a lump sum) 13 % ges % ges % ges % ges % ges % ges % ges he Minimum Guar. Contract Value equals 87.5 % of premiums received, less withdrawals and withdrawals charges, accumulated at MGR. t is never less than 1 % and never more than 3 %, currently 2.75 %. eath benefit before annuity date Contract value paid if applied under a settlement option or CV if paid as lump sum payment. Par-Rate guaranteed 100 % 1 st year. Guar. Min. Par-Rate 50 % ; 0 % in C. Current sset Fee 0 %, guar. maximum asset fee 6 %.Current monthly cap rate 3.00 %, guar. minimum monthly cap 1 %. 2% commission on additional premium in years 2-5. WL ltra Future Opt. quity ndexed nterest Rate- nnual Reset w/mon. vg. 100 % Par-Rate 0 % sset Fee 1 st yr Opt. nnual ndexed nterest Rate-nnual Reset w/monthly Cap 3.00 % Monthly Cap Fixed nterest Rate 4.50 % Free withdrawals up to 10 % of the account value annually (after the end of the first year) up to a max of 50%. L, C,, FL, M,,, OR, ifferent in W, M, L,, J, P (15 r) 19.25, 18.50,17.75,16.75,16, 15.25, 14.50,13.50, 12.75,12,10,8,6,4,2,0% (urrender charges apply at death if taken as a lump sum) 8.00 % ges % ges % ges % ges % ges % ges % ges he Minimum Guaranteed Contract Value equals 87.5 % of premiums received, less withdrawals and withdrawals charges, accumulated at MGR. t is never less than 1 % and never more than 3 %, currently 2.75 %. eath benefit before annuity date- Contract value paid if applied under a settlement option or CV if paid as lump sum payment. Par-Rate guaranteed 100 % 1 st year. Guar. Min. Par-Rate 50 % ; 0 % in C. Current sset Fee 0 %, guar. maximum asset fee 6 %.Current monthly cap rate 3.00 %, guar. minimum monthly cap 1 %. 1% commission on additional premium in years 2-5.

13 merican ational.m. Best () Jefferson &P () Pilot Financial March June 26, 20, M. Best (++) &P () ndex annuity with nhanced Benefit Rider and Lifetime ncome Rider R PRC FR MMM O RRR PROC CRG R WHRWL PRMM PPROV CHRG G COMMO &P 500 R PRC FR MMM O RRR PROC Long-erm Pt-o-Pt with CRG R WHRWL PRMM PPROV CHRG/RR G COMMO Monthly veraging fter 1 CO st o nnual Reset Beginning year, in the first policy year, 6.00% Value &P &P % ndex ndex Beginning of the up to 10% in of the Lock %, L, M, M ges 0-75 Par-Rate 100% Par o Rate Caps annuity first (6 r) 9, 8, 7,6, 4.75, 100% Par Rate accumulation year, value 10% of (7 ears) 0-80 ew irections JPF 2 r. Pt-to-Pt Cap JPF -66 % $10, r. % Monthly Pt-to-Pt Cap 2.35 % M,, J,, value accumulation may be (5 r) 5.00 % (P) Premium nhancement % / at the $4,000 8,8,7,6,5,4,2% 6 rs. nitial Fixed Cap 4.80 % M,, OR, W MV, B withdrawn without 2.25 ges 0-75 OR, P,, V OptiChoice 5 1 r. Pt-to-Pt Cap 7.30 % beginning value of 4.00% may be 9,8,7,6,5% (P) 1 r. Fixed ccount Cap 4.00 % Minimum, OR, 3.50 % r. Perform. riggered Cap 7.25 % surrender 1.00 ges Lock-n nnuity Value- the withdrawn ges without (7 r) lock-in 1 r. anytime Mon ver after w/ spread end of o the Cap year. additional charge a surrender or an MV MV, B, HR, R 2.25 % ges second nnual ndex year. pread Fixed interest premium 0.45% charge each policy or an year. MV rate determined at time of lock in. $50 each year. Guaranteed Minimum Value is 88.75& accumulating at the minimum guaranteed interest rate required by law less withdrawals currently 1.75%. he lock in is a feature of the product. Once lock in is chosen, Fixed ccount: a constant mounts growth rate can will be be allocated applied for into the or rest out of the of the, Fixed currently ccount at on 2%. any his policy is a product anniversary. built for the ndex long ccounts: run. Gains mounts will not show can on be the allocated policy until into the or end out of of the the term indexed or until lock accounts in is chosen. on *uring a policy ny the anniversary withdrawals surrender charge taken that will coincides period, not participate JP with reserves the in the beginning end the of right the of not term a new to calculation offer index any term. for one the he of gains the amount on indexed the policy. of accounts, the accumulation however value a minimum available of for two reallocation indexed accounts on a policy are guaranteed anniversary to equals: be offered he fixed during account the surrender value; plus the sum of the indexed account values for those indexed accounts with terms ending on the &P charge 500 period. mounts can be allocated into or out of the fixed or indexed accounts on any policy anniversary. he MV is applied in the event of a Market full surrender Value or djustment over may be applied to the policy s accumulation value if you make a full or partial surrender from the fixed and indexed accounts anytime during the first six Long-erm your free Pt-o-Pt withdrawal with amount. he minimum guarantee on the policy is 1.25% on 100%. eath Benefit is greater of the accumulation value or the guaranteed policy minimum years. cash n surrender MV does not apply after the 6 policy years, to free partial surrenders, to the death benefit, or if annuitization occurs after the 2 nd policy year. Monthly value. veraging ccount Guarantees: Fixed 1.25% years 1-5, 1 yr. pt-to-pt 2.50%, 1 yr monthly pt to pt 1.00%, 1 yr monthly average max spread is 9.00%. ccount guarantees: Fixed account years 1-6 has a guaranteed fter minimum 1 st of 1.75%. Policy years 7+ is between 1.00% and 3.00%. Performance riggered Cap has a minimum of o nnual Reset Beginning in 3.00% and the 2 year pt to pt has a minimum cap of 10.00%.nnuitization is allowed after the 2 nd policy year, the full accumulation value without an MV or surrender charge may be &P 500 received under a wide choice of income year, CO ndex the first year, 10.00% payment options.*eath Owner during the first 12 months will result in 100% commission charge back and a 50% charge back during the % Par Rate 10% of next Value % 10% of the C,, L, M, Par-Rate o Caps (10 ears) ges months. 1 r. Monthly Pt-to-Pt Cap 2.40 JPF % annuity value M, M, J, (7 r) 0-80 accumulation 6.00 % Premium nhancement % 5.00% 12,12,11,10,9,8, ges r. Pt-to-Pt Cap 7.40 % at the $4,000, OR, P,, 9,8,7,6,5,4,3% Lock 10 value may be 7,6,5,3,0% OptiChoice 7 1 r. Fixed ccount Cap 4.05 % Beginning in the Minimum, OR, 4.25 % beginning of V, W 8.00% ges (P) Lock-n nnuity Value- withdrawn the first policy year, additional MV, B, HR, R ges r. Mon. ver. w/ spread o cap without a 2.75 % (10 r) lock-in anytime after the first &P nnual 500 ndex ndex pread 0.35% up surrender to 10% of (8 r) 9,8,7,6,4.75, 3.50, 4.50 % ges year. premium year during the 10-year indexing ges 0-75 ew irections 100% Par Rate accumulation $50 term. Fixed interest rate determined charge or an JPF r. Pt-to-Pt Cap % 2.00, 0.75 % value may be M,, OR, W 3.00 % ges at time of lock in. 8 rs. nitial Fixed Cap 4.80 % MV each year. MV, B (P) withdrawn without 1.50 % ges Guaranteed *uring the Minimum surrender Value charge is 190& r. period, Perform. accumulating JP riggered reserves at the Cap minimum the 7.25 right % guaranteed not to offer a surrender interest any one rate of required the indexed by law less accounts, withdrawals however currently a minimum 1.75%. he of lock two indexed is a feature accounts of the product. are guaranteed Once lock to in be is chosen, offered a constant during the growth surrender rate will charge be applied period. for the mounts rest of the can, be allocated currently at charge into 2%. or his or out is an of a MV the product fixed built account for the or long indexed run. Gains accounts will not on show any on policy the policy anniversary. until the end he of the MV term is or applied until lock in in the is event chosen. of a ny full surrender withdrawals or taken over will your not free participate withdrawal in the end amount. of the term he calculation minimum for each guarantee gains on the policy year. on policy. the policy is 1.50% on 100%. eath Benefit is greater of the accumulation value or the guaranteed minimum cash surrender value. &P ccount 500 Guarantees: Fixed 1.25% years 1-5, 1 yr. pt-to-pt 2.50%, 1 yr monthly pt to pt 1.00%, 1 yr monthly average max spread is 9.00%. nnual Pt-o-Pt Fixed ccount: mounts can be allocated into or out of the Fixed ccount on any policy anniversary. ndex ccounts: mounts can be allocated into or out of the indexed accounts nnual Reset on a policy anniversary that &P coincides 500 Beginning in the (7 ears) ndex with the beginning of a new index term. he amount of the accumulation value available for reallocation on a policy anniversary (7 ear) equals: he 100% Participation first year, 10% of 7,7,6,5,4,2,0% fixed account value; plus the 100% sum Par of Rate the indexed account values for those indexed accounts with index terms ending on the policy (9 anniversary. r) 5.00% ages 0-75 Market Value JPF djustment 1 may r. be Monthly applied Pt-to-Pt to the Cap policy s 2.45 accumulation % accumulation CO value if you make a full or partial surrender from the fixed 9,8,7,6,5,4,3,2,1% and indexed accounts anytime during the first six policy OptiChoice years. n MV 9 does 1 r. not Pt-to-Pt apply after the 6 Cap policy 7.50 years, % value may be to free partial surrenders, Minimum to the death benefit,, OR, or if annuitization occurs after the 2 nd % (7 ear) $4,000 (10 ears) 4.00% ages ges 0-75 trategy policy year. nnual Pt-to-Pt ccount guarantees: Fixed 1 account r. Fixed years ccount 7.55% Cap 10% 1-6 has Cap a 4.10 guaranteed % withdrawn penaltyfree without minimum of 1.75%. additional Policy years 7+ is M, between M, 9,9,8,7,6,5,4,3,2,1, 3.00% 1.00% and MV, 3.00%. B, Performance HR, R riggered Cap has 4.75 ages % a minimum ges of 3.00% ndex 1 r Fixed and the 2 year pt to 1 cct 4.05% Cap pt r. has Mon a ver minimum w/ spread cap of o 10.00%.nnuitization Cap a surrender is allowed Rider after premium Costs: the 2 nd policy M, year, OK. 0% withdrawals the full accumulation value without an MV or surrender charge may be charge of or an MV received nnuity under a wide choice nnual of income index spread payment 0.25% options. $50 OR, P, (10 ear) annuity value (10 ear) each year. *eath of Owner during the first 12 months will result in 100% commission charge back and 50% charge back during the next 6 months. nnual Pt-to-Pt 6.80% Cap after 1 st B:.25% of V a year, V, HR, B, Riders 8.00% ages 0-75 *uring the surrender charge period, JP reserves the right not to offer any one of the indexed accounts, however a minimum of two indexed accounts are guaranteed to be offered (P) 1 r Fixed cct 3.75% Cap year. LR:.40% of V a year W vailable at cost (ee Below): 6.50% ages during the surrender charge period. mounts can be allocated into or out ROP: of the.20% fixed from account Fixed or indexed accounts on any policy anniversary. he MV is applied in the event of a nhanced eath 5.00% ages full surrender or over your free withdrawal amount. he minimum guarantee rate on or the.50% policy from is ndex 1.75% on 100%. eath Benefit is greater of the accumulation value or the guaranteed Benefit, Lifetime Minimum cash surrender value. ccount Guarantees: Fixed 1.25% years 1-5, 1 yr. pt-to-pt 2.50%, 1 yr monthly pt to pt 1.00%, 1 yr monthly average max spread is 9.00%. MGR Fixed cct.-87.5%@3.00% ncome Rider, rail Commissions vailable MGR ndexed cct. 2.45% Return of Premium B (nhanced eath Benefit) ncreases B by a % of index gains based by age at issue %, %, %, %. o underwritting, must be added at issue, but can be dropped at anytime. Cost of the rider is guaranteed for the life of the currently.25% of account value per year. LR (Lifetime ncome Rider) Guarantees ncome for Life even if the annuity value declines to zero! Payments can begin after age 60. t must be added at issue, but can be dropped at anytime. Payment based on highest V from date payments start. ncome Benefit is treated like a free partial withdrawal which can be stopped at anytime. he cost for the rider is guaranteed at issue for the life of the currently.40% of the account value per year. ROP (Return of Premium Rider) nitial Premium minus any withdrawals taken is guarateed if the is surrendered early. Must be added at issue. CO be dropped. Cost will be a reduction in the declared cap rate.current reduction is.50% from cap,.20% fixed.