Where Exceptional Products And Discriminating Advisors Connect. Surrender Schedule. Liquidity Provisions

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1 Charter Plus 10 Index S&P Risk Control 5% Risk Control 8% Monthly 1.40% Annual 3.30% Annual Part. 25% Annual No Cap 5.35% 2-Year No Cap 6.75% NASDAQ 100 Monthly 1.00% Fixed 1.40% 7% Bonus = Deposits >$75,000 5% Bonus = Deposits <$75,000 10,10,9,9,8,8,7,6,4,2% From Fixed 100% Free Withdrawal Qualified Care 0-79 $20,000 All Except: 4.90% Bonus is applied to all deposits during the first 7 contact years. Strong premium bonus up to 7% on a 10-year surrender. Charter Plus 14 Index S&P Risk Control 5% Risk Control 8% Monthly 1.50% Annual 3.85% Annual Part. 30% Annual No Cap 4.15% 2-Year No Cap 5.35% NASDAQ 100 Monthly 1.25% Fixed 1.70% 10% Bonus = Deposits >$75,000 8% Bonus = Deposits <$75,000 (14 YEARS) 12,12,11,11, 10,9,8,7,6,5, 4,3,2,1% From Fixed 100% Free Withdrawal Qualified Care 0-52 (California) $20,000 All Except: AK,CT,DE, HI, MN,MO,NH, NV,OH,OK, OR,PA,SC, TX,UT, VA,WA Bonus is applied to all deposits during the first 7 contact years. Strong premium bonus up to 10% on a 14-year surrender.

2 RetireChoice 10 Index S&P 500 Risk Control 5% Risk Control 8% Monthly 1.80% Annual 4.50% Biennial 8.20% Annual No Cap 3.25% 2-Year No Cap 4.40% NASDAQ 100 Monthly 1.40% Fixed 2.00% Includes 2.00% Bonus Can Be Increased To 5% - See Remarks 10,10,9,9,8,8,7,6,4,2% From Fixed Additional 10% Free Withdrawal Skilled Nursing Must be 75 or younger 0-79 $20,000 All Except: AK,CT,DE, MN,MO,NV, OR,SC,TX, WA 5.25% RetireChoice 14 Optional Additional Benefit Rider (a) increases premium bonus to 5% (b) adds cumulative withdrawal feature to 20% starting year 3 and (c) adds Return Or beginning year 3. Cost is.55bps. bonus applies to all deposits during the first five years. Index S&P Risk Control 5% Risk Control 8% Monthly 2.10% Annual 5.30% Biennial 10.40% Annual No Cap 2.30% 2-Year No Cap 3.20% NASDAQ 100 Monthly 1.70% Fixed 2.50% Includes 3% Bonus Can Be Increased To 8% - See Remarks 87.50% of (14 YEARS) 10,10,10,10, 10,9,8,7,6,5, 4,3,2,1% From Fixed Additional 10% Free Withdrawal Skilled Nursing $20,000 All Except: AK,CT, DE, MN,MO,NV, OH,OK,OR, SC,UT,VT, WA Optional Additional Benefit Rider (a) increases premium bonus to 8% (b) adds cumulative withdrawal feature to 20% starting year 3 and (c) adds Return Or beginning year 3. Cost is.60bps. bonus applies to all deposits during the first five years.

3 Choice 8+ S&P Monthly Cap 1.40% S&P Annual Cap 3.60% S&P 500 Low Volatility Margin (No Cap) 2.70% S&P MARC 5% ER Margin (No Cap) 3.30% NASDAQ Monthly Cap 1.15% Fixed 1.50% S&P LOW VOLATILITY RISK CONTROL 5% APP w/threshold Participation s (No CAP) 8.00% 20% 105% All Strategies Enhanced By 3% Bonus (8 YEARS) 10,10,10,10, 9,8,5,3% From Fixed Additional 10% Free Withdrawal Skilled Nursing 0-85 Non- $10,000 $2,000 All Except: 5.50% 4.12% % bonus applies to all deposits during the first five years. Optional Income Rider rolls-up at 6.00% compound for 10 yrs. Choice 8 S&P Monthly Cap 1.85% S&P Annual Cap 4.70% Volatility Margin (No Cap) 3.00% S&P MARC 5% ER Margin (No Cap) 0.80% NASDAQ Monthly Cap 1.50% Fixed 2.20% S&P LOW VOLATILITY RISK CONTROL 5% APP w/threshold Participation s (No CAP) 6.00% 25% 105% (8 YEARS) 10,10,10,10, 9,8,5,3% From Fixed Additional 10% Free Withdrawal Skilled Nursing 0-85 Non- $10,000 $2,000 All Except: 5.50% 4.12% % Strong choice if interested in accumulation, due to higher caps. Optional Income Rider rolls-up at 6.00% compound for 10 yrs.

4 Choice 12+ S&P Monthly Cap 1.50% S&P Annual Cap 3.75% Volatility Margin (No Cap) 4.25% S&P MARC 5% ER Margin (No Cap) 2.60% NASDAQ Monthly Cap 1.20% Fixed 1.65% S&P LOW VOLATILITY RISK CONTROL 5% APP w/threshold Participation s (No CAP) 8.00% 25% 110% All Strategies Enhanced By 7% Bonus (12 YEARS) 10,10,10,10, 10,9,8,7,6, 5,4,2% From Fixed Additional 10% Free Withdrawal Skilled Nursing 0-52 (California) Non- $10,000 $2,000 All Except: AK, CT, DE, IL, MN, MO, NV, OH, OK,OR, PA,UT,VA, WA bonus applies to all deposits during the first five years. Optional Income Rider rolls-up at 6.00% compound for 10 yrs. Choice 12 S&P Monthly Cap 2.10% S&P Annual Cap 5.30% Volatility Margin (No Cap) 2.35% S&P MARC 5% ER Margin (No Cap) 0.25% NASDAQ Monthly Cap 1.70% Fixed 1.50% S&P LOW VOLATILITY RISK CONTROL 5% APP w/threshold Participation s (No CAP) 30% 110% (12 YEARS) 10,10,10,10, 10,9,8,7,6, 5,4,2%% From Fixed Additional 10% Free Withdrawal Skilled Nursing 0-52 (California) Non- $10,000 $2,000 All Except: AK, CT, DE, IL, MN, MO, NV, OH,OK, OR, PA,UT,VA, WA Optional Income Rider rolls-up at 6.00% compound for 10 yrs.

5 Prosperity Series 10 Fidelity & Guaranty S&P Monthly 1.50% S&P Monthly Average 4.00% S&P Annual 3.50% S&P Trigger 3.25% Gold Annual 4.00% Fixed One Year 1.00% Optional 4% or 7% Bonus 87.50% of 12,11,10,9,8,7,6,5,4,3,0% Non NQ $10,000 All Except: CT,MN,MS,,OR,WA 8.00% 6.00% % Lower In AK, MA,NV,OH,OK, TX, UT Safe Income Plus Fidelity & Guaranty Accumulator Plus 7 Fidelity & Guaranty 4% Bonus When Death Benefit Rider Attached. 7% Bonus When Income Rider and Death Benefit Rider Attached. Income Rider rolls-up at 6.25% compound for 10 yrs. S&P Monthly 1.10% S&P Monthly Average 2.00% S&P Annual 2.00% S&P Trigger 1.75% Fixed One Year 1.00% 8% Bonus 87.50% of 12,11,10,9,8, 7,6,5,4,3% 0-80 $10,000 All Except: AL,CT,ID,IN MN,MS,, OR,PA,VT, WA Income Rider rolls-up at 7.25% compounded for 10 Years. These states use a 7% Bonus and the following surrender charge: 9, 9, 8, 7, 6, 5, 4, 3, 2, 1 0% - AK, DE, HI, IL, MA, MD, NV, NJ, OH, OK, SC, TX, UT and FL age 65+ S&P Monthly 2.00% S&P Monthly Average 6.00% S&P Annual 5.25% S&P Trigger 4.50% Barclays Trailblazer 2 Year, No Cap W Part. 110% Fixed One Year 1.00% Built for accumulation, on 7-year surrender % of (7 YEARS) 9,9,8,7,6,5,4% 0-85 $10,000 All Except: AL,CT,MS, % % 81-85

6 Accumulator Plus 10 Fidelity & Guaranty Income 150+ Global Atlantic Choice Income 10 Global Atlantic S&P Monthly 2.00% S&P Monthly Average S&P Annual 5.50% S&P Trigger 4.50% Barclays Trailblazer 2 Year, No Cap W Part. 120% Fixed One Year 1.00% S&P Annual S&P Monthly Barclay 3-YR Spread Black Rock 2-Yr Spread $10K-$24, % 1.30% 8.00% 5.50% $25K - $99, % 1.30% 8.00% 5.50% $100K+ 3.25% 1.55% 6.00% 4.00% Income Bonus 20% in Year 1 15 % in Year 3 15% in Year % of 12,11,10,9,8, 7,6,5,4,3% 10,10,9,9,8,7,6,5,4,2% Value Yrs 2+ Nursing & Home Care 0-85 $10,000 All Except: AL,CT,MS, $10,000 All Except: RIDER CAN BE TURNED ON IMMEDIATELY. Income Rider delivers a 20% income boost year 1, 15% income boost beginning year 3, 15% income boost beginning year 5. Plus if contract is held to 10 th year prior to turning rider on, Forethought will credit 150% of any index gains minus withdrawals to the income base. Annual CAP Monthly CAP 2-Year Spread 3-Year Spread S&P 4.25% 1.70% NA NA Barclays Armour II BlackRock Diversa NA NA NA 2.25% NA NA 1.75% NA Fixed 2.35% 9,9,8,7,6,5, 4,3,2,1% Confinement 90 Day Effective Yr $25,000 All Except: HI,,VA Includes Income Rider at 0.95% cost. Strong roll-up options that continue UNTIL income rider is triggered: 10% Simple Roll-Up Years or 7.50% Simple Roll-Up PLUS dollar amount if interest credits %

7 Choice Accumulation Global Atlantic Annual CAP Monthly CAP 2-Year Spread 3-Year Spread S&P 6.00% 2.15% NA NA Barclays Armour II BlackRock Diversa NA NA NA 0% NA NA 0% NA Fixed 3.00% 107% Of Deposit If Held Through Term (7 YEARS) 9,8,7,6,5, 4,3% Confinement 90 Day Effective Yr $25,000 All Except: HI,,VA % Built for accumulation. Income Choice 7 S&P Monthly Cap 1.65% S&P Annual Cap 3.70% Volatility Margin (No Cap) 4.30% S&P MARC 5% ER Margin (No Cap) 1.85% S&P Annual Participation 28% Fixed 1.60% (7 YEARS) 7,6,5,4,3,2, 1% 5% of Account Confinement 90 Day Effective Yr $20,000 All Except: 5.25% No cost income rider includes a 5% bonus to income benefit. Income rider rolls up by 2% plus 150% of dollar amount of any interest credited annually. Roll-up continues for 20 years.

8 Elite 7 Athene Elite 10 Athene S&P Annual Cap 4.75% S&P Monthly Cap 1.75% S&P Volatility Control 1 Year, No Cap W Part. 50% S&P Volatility Control 2 Year, No Cap W Spread 2.75% 2 Year, No Cap W Part. 85% 1 Year, No Cap W Part. 85% 2 Year, No Cap W Part. 120% Janus SG Market Consensus 1 Year, No Cap W Part 60% Janus SG Market Consensus 2 Year, No Cap W Part 100% Fixed 1.75% (7 YEARS) 9, 8. 8, 7. 9, 6. 9,5. 9,5,4% Confinement Must Begin After Yr. 1 (not available in CA and MA) 0-83 $25,000 Optional Rider (a) adds a 5% premium bonus% (b) allows cumulative withdrawals to 20% (d) adds Return Or beginning year 5. Cost is.95bps. S&P Annual Cap 4.25% S&P Monthly Cap 1.65% S&P Volatility Control 1 Year, No Cap W Part. 45% 2 Year, No Cap W Part. 60% 2 Year, No Cap W Part. 75% 1 Year, No Cap W Part. 75% 2 Year, No Cap W Part. 105% Janus SG Market Consensus 1 Year, No Cap W Part 55% Janus SG Market Consensus 2 Year, No Cap W Part 90% Fixed 1.50% 12,12,12, 11,10,9,8, 7,6,4% 5% of Account Value Yrs 2+ Confinement Must Begin After Yr. 1 $10,000 In AK,HI,IL,IN,M D,MN,MO,NJ, OH,OR,PA,SC,UT,WAS All Except: DE, RI, 0-78 $25,000 All Except: CT, Use Select Version in NJ,NV,OK, TX See Next Page % % % % % % Bonus. Optional Rider (a) increases premium bonus to 10% (b) increases liquidity to 10% per year, including year 1 (c) allows cumulative withdrawals to 20% (d) adds Return Or beginning year 5. Cost is.95bps.

9 Elite 10 Select Athene S&P Annual Cap 4.25% S&P Monthly Cap 1.65% S&P Volatility Control 1 Year, No Cap W Part. 45% 1 Year, No Cap W Part. 70% 2 Year, No Cap W Part. 85% 1 Year, No Cap W Part. 75% 2 Year, No Cap W Part. 105% Janus SG Market Consensus 1 Year, No Cap W Part 55% Janus SG Market Consensus 2 Year, No Cap W Part 90% Fixed 1.50% 87.50% of 8. 30, 8, 7. 10, 6. 20, 5. 30,4. 40, 3. 50, 2. 60, 1. 60,0. 9 % 5% of Account Value Yrs 2+ Confinement Must Begin After Yr $25,000 NJ,NV,OK, TX 6.50% % Ascent Pro 10 Athene 3% Bonus. Optional Rider (a) increases premium bonus to 7% (b) increases liquidity to 10% per year, including year 1 (c) allows cumulative withdrawals to 20% (d) adds Return Or beginning year 5. Cost is.95bps. S&P Annual Cap 3.50% S&P Monthly Cap 1.50% S&P Volatility Control 1 Year, No Cap W Part. 55% 1 Year, No Cap W Part. 55% 2 Year, No Cap W Part. 65% 1 Year, No Cap W Part. 60% 2 Year, No Cap W Part. 90% Fixed 1.75% 9,9,8,7,6 5,4,3,2,1% 10% of Deposits Yr. 1 Value Yrs 2+ Built for income. 8% bonus to income rider. 10% simple interest for first 10 years, 5% simple interest years 11 to 20. Confinement Must Begin After Yr $5,000 All Except: 6.50% %

10 Indextra S&P Annual Cap 4.00% Goldman Sachs 1-Year Participation 70% Goldman Sachs 2-Year Participation 105% Goldman Sachs 3-Year Participation 120% J.P. Morgan 1-Year Participation 57% J.P. Morgan 2-Year Participation 82% 107% Of Deposit If Held Through Term (7 YEARS) 9,8.5,8, 7,6,5,4% Nursing $15,000 All Except: ME, NH,, VT 5.25% 4.25% Integrity Life J.P. Morgan 3-Year Participation 100% Fixed One Year 2.10% Our highest rated carrier 96 Comdex. Optional income rider can be added for a cost of 0.95%. Roll-ups on rider are 7,8, or 9%, based on issue age. Indextra S&P Annual Cap 4.25% Goldman Sachs 1-Year Participation 75% Goldman Sachs 2-Year Participation 110% Goldman Sachs 3-Year Participation 125% J.P. Morgan 1-Year Participation 60% J.P. Morgan 2-Year Participation 85% 110% Of Deposit If Held Through Term 9,8.5,8,7, 6,5,4,3,2,1% Nursing $15,000 All Except: ME, NH,, VT 6.50% J.P. Morgan 3-Year Participation 105% Fixed One Year 2.15% Integrity Life Our highest rated carrier 96 Comdex. Optional income rider can be added for a cost of 0.95%. Roll-ups on rider are 7,8, or 9% based on issue age.

11 Safe Return Great Annual Volatility Control S&P 50% ishares U.S. Real Estate 6.00% NA Fixed 2.00% Return Of Included 100% of 10 YEARS 10,9,8,7,6,5, 4,3,2,1% 10% of Deposits Yr 1 Value Yrs 2+ or Non NQ $25,000 All Except: 5.50% 4.10% Client walks with A.V. if cap ever renews below 3.00% or Volatility Control participation rate renews below 25% Also includes Return Of at no cost. A NO MVA. Legend 3 Great Annual 18 Month Monthly Volatility Control S&P 6.10% NA 2.25% 65% Gold (GLD) 6.50% NA NA NA ishares U.S. Real Estate NA NA NA Fixed 2.85% 100% of (7 YEARS) 9,8,7,6,5, 4,3% or Non NQ $10,000 All Except: 18 month strategy not approved in NJ 4.75% 2.75% Favorable GOLD strategy for market downturns. Custom 10 Great Annual Volatility Control S&P 4.80% 55% Gold (GLD) 5.50% NA Fixed 1.75% 90% of 9. 50, 8. 75, 7. 75, 6. 75, 5. 75, 4. 75, 3. 75, 3, 2, 1% 5% of Deposits Yr 1 5% of Account Value Yrs 2+ or Non NQ $25,000 All Except: 6.00% 3.75% Built for early income and features strong accumulation strategies.

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