Agent Contracting. Please complete the following contracting package and FAX to (toll-free) or

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1 Agent Contracting Please complete the following contracting package and FAX to (toll-free) or AnnuityCommissions.com 28 Harrison Ave., Suite D209 Englishtown, NJ If you have any questions or changes to existing contracts, please contact Hersh Stern at (toll-free) or

2 IMPORTANT Before you may place annuity business with this insurance company you will need to satisfy the following requirements: 1. Current state-specific life insurance license 2. A minimum of $1,000,000 in E&O coverage 3. Completion of LIMRA Anti-Money Laundering Course 4. Completion of applicable state-specific annuity training 5. Completion of applicable company-specific product training

3 Fax signed forms with a copy of your license and E&O coverage to Questions? Call SUBMITTED BY RMO 14 WEBANNUITIES #

4 Fax signed forms to

5 Fax signed forms to

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9 P.O. Box Des Moines, IA Fax OPTION A COMMISSION SCHEDULE * Managing General Agent Supplemental commission listed below in years 2 and 3 are for premiums received in the first year. Product (All approved states except those indicated) Issue Age Year 1 Year 2-3 Additional Premiums added in Years 2-5 Traditions Gold Plus Age % 0.75% 2.60% ICC11 IDX3 Age % 0.55% 1.95% Traditions Gold Age % 0.75% 2.60% ICC11 IDX4 Age % 0.55% 1.95% Retirement Gold Age % 1.00% 2.75% Index-2-09 IN Age % 1.00% 2.75% Age % 0.75% 2.06% FL Age % 1.00% 2.75% Index-4-10 Age % 0.87% 2.75% Age % 0.75% 2.06% CS-MGA-10 Page 1 of

10 P.O. Box Des Moines, IA Fax OPTION A COMMISSION SCHEDULE * Managing General Agent Supplemental commission listed below in years 2 and 3 are for premiums received in the first year. Product (All approved states except those indicated) Issue Age Year 1 Year 2-3 Additional Premiums added in Years 2-5 Bonus Gold Age % 1.00% 2.75% Index-1-07; Index-7-05; Index-1-05 Age % 0.75% 2.06% FL Age % 1.00% 2.75% Benefit Gold Age % 1.00% ICC10 IDX-110 Age % 0.75% Advantage Gold Age % 1.00% 2.75% Index-6-07 Age % 0.75% 2.06% TX Age % 1.00% Age % 0.75% Integrity Gold Age % 0.68% 2.75% Index-5-07 Age % 0.51% 2.06% CS-MGA-10 Page 2 of

11 P.O. Box Des Moines, IA Fax OPTION A COMMISSION SCHEDULE * Managing General Agent Premier Eagle 10 (FPDA-7-08) Year Premium Received (See chart below for supplemental commission) Age at the Time of Issue Age % 5.00% 5.00% 5.00% 5.00% Age % 5.00% 5.00% 5.00% 3.75% Age % 5.00% 5.00% 3.75% 3.75% Age % 5.00% 3.75% 3.75% 3.75% Age % 3.75% 3.75% 3.75% 3.75% Age % 3.75% 3.75% 3.75% 3.75% Age % 3.75% 3.75% 3.75% 2.50% Age % 3.75% 3.75% 2.50% 2.50% Age % 3.75% 2.50% 2.50% 2.50% Age % 2.50% 2.50% 2.50% 2.50% Premier Eagle 10 (FPDA-7-08) Year Premium Received (AK, DE, SC, UT) (See chart below for supplemental commission) Age at the Time of Issue Age % 3.43% 3.43% 3.43% 3.43% Age % 3.43% 3.43% 3.43% 2.57% Age % 3.43% 3.43% 2.57% 2.57% Age % 3.43% 2.57% 2.57% 2.57% Age % 2.57% 2.57% 2.57% 2.57% Age % 2.57% 2.57% 2.57% 2.57% Age % 2.57% 2.57% 2.57% 1.21% Age % 2.57% 2.57% 1.21% 1.21% Age % 2.57% 1.21% 1.21% 1.21% Age % 1.21% 1.21% 1.21% 1.21% Premiums received in each of the first five contract years will receive a supplemental commission in the second and third year after receipt. As Follows if Commission Paid: As Follows if Commission Paid in AK, DE, SC, UT: Year 1 Year 2-3 Year 1 Year % 1.00% 3.43% 0.68% 3.75% 0.75% 2.57% 0.51% 2.50% 0.50% 1.21% 0.34% CS-MGA-10 Page 3 of

12 P.O. Box Des Moines, IA Fax OPTION A COMMISSION SCHEDULE * Managing General Agent Supplemental commission listed below in years 2 and 3 are for premiums received in the first year. Product (All approved states except those indicated) Issue Age Year 1 Year 2-3 Additional Premiums added in Years 2-5 Premier Eagle 12 Age % 1.00% 2.75% FRG-2-09 FL Age % 1.00% 2.75% FPDA-10 Age % 1.00% 3.75% Age % 0.75% 2.81% AL, CA, IL, KY, MA, MD, MO, ND, Age % 1.00% 3.75% OK, SC, VA Age % 0.62% 2.34% IN and PA Age % 0.91% 3.75% Age % 0.54% 2.34% WA Age % 0.91% 4.25% Age % 0.60% 2.83% CS-MGA-10 Page 4 of

13 P.O. Box Des Moines, IA Fax OPTION A COMMISSION SCHEDULE * Managing General Agent Product (All approved states except those indicated) Issue Age Guarantee 5 and Guarantee 7 Age % SPDA-MYGA Age % Single Premium Guarantee 5 and Guarantee 7 Age % SPDA-MYGA (No MVA) Age % Single Premium SPIA-1 10-Year Certain Plus All Life Contingencies Payouts Age % Less Than 10-Year Certain Age % * The following conditions apply: 1. If the annuitant and owner are different, commissions will be based on the older age. 2. Commissions will be charged back on all Deferred Annuities if the annuitant and/or owner dies of natural causes or suicide in the first contract year and contract value is taken out in a lump sum as determined by the date of death, not the date of payout. The charge back is equal to 100% in the first policy month and reduced by 1/12 each month thereafter through the end of the first Contract Year. Except for the Premier Eagle 10 (FPDA-7-08), if a spousal continuation is done and the spouse subsequently decides to take a surrender there will be a charge back if processed in: 1st Contract Year 100% of the pro-rata amount based on date of death 2nd Contract Year 75% of the pro-rata amount based on date of death 3rd Contract Year 50% of the pro-rata amount based on date of death 4th Contract Year 25% of the pro-rata amount based on date of death 3. Commissions will not be paid on premiums received after the date of death of an owner or annuitant. 4. To receive the Supplemental Commission in the second and third year, the contract must be active and the agent must be in good standing with the company. 5. These conditions are subject to change at the sole discretion of the Company. CS-MGA-10 Page 5 of

14 P.O. Box Des Moines, IA Fax OPTION A COMMISSION SCHEDULE ** Managing General Agent Product (All approved states except those indicated) Issue Age Year 1 Year 2 Year 3 Year 4 Year 5 Heritage Gold Age % 0.50% 0.50% 0.50% 0.50% ICC11-IDX2 ** The following conditions apply: 1. Commission is payable over 5 years in equal amounts at the percentage stated above. 2. Commissions on additional premiums in subsequent years will be paid at the same rate but only for a period not to exceed five years from the contract date. For example, a premium paid in the third contract year will receive three equal payments at the percentage indicated above. 3. Commission percent is paid on premium accepted, not accumulated values. 4. Chargeback of commissions for annuitant and/or owner death by natural causes or suicide based on date of death as follows; Commission for each contract year will be reduced by 1/12th each month thereafter through the end of the Contract Year. 5. The contract must be active and the agent must be in good standing with the company to receive any remaining commission. 6. These conditions are subject to change at the sole discretion of the Company. CS-MGA-10 Page 6 of

15 P.O. Box Des Moines, IA Fax OPTION B COMMISSION SCHEDULE** * Managing General Agent Product (All approved states except those indicated) Issue Age Year 1 Year 2+ Traditions Gold Plus Age % 0.50% ICC11 IDX3 Age % 0.38% Traditions Gold Age % 0.50% ICC11 IDX4 Age % 0.38% Retirement Gold Age % 0.50% Index-2-09 IN Age % 0.50% Age % 0.38% FL Age % 0.50% Index-4-10 Age % 0.38% Age % 0.38% Bonus Gold Age % 0.50% Index-1-07; Index-7-05; Index-1-05 Age % 0.38% FL Age % 0.50% Service Fee - percentage rate of compensation paid to agents, in good standing with the Company, on active policies, in Contract Years 2+. *** The following conditions apply: 1. These conditions are subject to change at the sole discretion of the Company. 2. If the annuitant and owner are different, commissions will be based on the older age. 3. Agent must elect to be paid under this Option B Commission Schedule on each Policy Application. 4. First-year commissions will be charged back if the owner and/or annuitant dies of natural causes or suicide. The chargeback is determined by the date of death. The chargeback is equal to 100% in the first policy month and reduced by 1/12 each month thereafter through the end of the first Contract Year. No chargeback of first-year commissions if spousal continuation is elected and the policy stays active. 5. Service Fee percentage is shown as an annual rate and is paid on a quarterly basis starting at the end of the 5th quarter following the Policy Issue Date. Service Fees payable are calculated based upon the ending Contract Value of active policies in the previous quarter. Any Service Fees paid to the agent after the date of death will be charged back to the agent. Service Fees are not payable after the date of death, unless a spousal continuation is elected and the policy stays active. 6. Agent must be on EFT (form #4052) to receive commissions on Option B. CS-MGA-10 Page 7 of