Multi-Year Guaranteed Annuities

Guarantee Period 3 years 3 years 7 Years 10 Years Multi-Year Guaranteed nnuities ll carriers shown may not be available. Please check your approved carrier list before proceeding. Product 1st Year Rate verage Name Rate Thereafter nnual Yield (Lower for older ages) Principal Preferred Series ($100k +) 1.85% 1.10% 1.35% 1.00% Principal Select Series ($100k +) 1.25% 1.25% 1.25% 1.00% Integrity MultiVantage 2.00% 1.00% 1.25% 2.00% North merican Guarantee Choice ($200K +) 3.00% 1.50% 1.88% 2.00% Principal Select Series ($100k +) 1.60% 1.10% 1.23% 2.25% Principal Preferred Series ($100k +) 2.20% 1.30% 1.53% 1.90% IG nnuities m. Pathway Solutions MYG ($100K +) 2.25% 2.25% 2.25% 1.50% IG nnuities m. Pathway Select MV 1.55% 1.55% 1.55% 1.20% llianz Dominator Plus ($100k +) 1.50% 1.50% 1.50% 3.00% Genworth Rate Saver ($100K - $249,000) 2.10% 2.10% 2.10% 2.00% Integrity MultiVantage 2.25% 1.25% 1.45% 2.50% Liberty Lf. ssur. of Boston Balance ($100K +) 3.60% 1.60% 2.00% 2.00% Minnesota Life SecureOption Select ($100k +) 1.50% 1.50% 1.50% 3.00% North merican Guarantee Choice ($200K +) 2.30% 2.30% 2.30% 2.50% Principal Preferred Series ($100k +) 2.60% 1.60% 1.80% 2.25% Standard Focused Growth ($100K +) 2.35% 2.35% 2.35% 2.00% United of Omaha Ultra Secure Plus ($50K +) 1.40% 1.40% 1.40% 4.00% IG nnuities m. Pathway Solutions MYG ($100K +) 2.35% 2.35% 2.35% 2.00% IG nnuities merican Pathway chiever MV 1.55% 1.55% 1.55% 2.00% merican National Palladium MYG ($100k +) 1.50% 1.50% 1.50% 2.50% Lincoln Financial Group MYGuarantee Plus ($100K +) 1.90% 1.90% 1.90% 2.25% Lincoln Financial Group New Directions 6 ($100k +) 2.00% 2.00% 2.00% 3.50% North merican Guarantee Choice ($200K +) 2.50% 2.50% 2.50% 2.50% Principal Preferred Series ($100k +) 3.55% 1.55% 1.88% 2.50% Principal Select Series($100k +) 3.35% 1.35% 1.68% 3.00% Standard Focused Growth ($100K +) 2.55% 2.55% 2.55% 2.00% IG nnuities m. Pathway Solutions MYG ($100K +) 2.65% 2.65% 2.65% 2.00% IG nnuities merican Pathway Select MV 1.75% 1.75% 1.75% 2.50% merican National Palladium MYG ($100k +) 3.10% 2.10% 2.24% 2.50% Genworth Rate Saver ($100K - $249,000) 2.45% 2.45% 2.45% 2.75% Integrity MultiVantage 2.95% 1.95% 2.09% 3.00% Lincoln Financial Group MYGuarantee Plus ($100K +) 1.85% 1.85% 1.85% 2.50% Minnesota Life SecureOption Select ($100k +) 2.10% 2.10% 2.10% 3.50% North merican Guarantee Choice ($200K +) 2.80% 2.80% 2.80% 2.50% Principal Preferred Series ($100k +) 3.05% 1.85% 2.02% 3.00% Standard Focused Growth ($100K +) 2.70% 2.70% 2.70% 2.00% IG nnuities m. Pathway Solutions MYG ($100K +) 2.55% 2.55% 2.55% 3.00% merican National Palladium MYG ($100k +) 2.10% 2.10% 2.10% 2.50% Lincoln Financial Group MYGuarantee Plus ($100K +) 2.00% 2.00% 2.00% 2.50% North merican Guarantee Choice ($200K +) 2.95% 2.95% 2.95% 2.50% IG nnuities m. Pathway Solutions MYG ($100K +) 2.60% 2.60% 2.60% 3.25% merican National Palladium MYG ($100k +) 3.90% 1.90% 2.12% 3.00% Lincoln Financial Group MYGuarantee Plus ($100K +) 2.05% 2.05% 2.05% 2.50% Minnesota Life SecureOption Select ($100k +) 2.80% 2.80% 2.80% 4.00% North merican Guarantee Choice ($200K +) 3.05% 3.05% 3.05% 2.50% IG nnuities m. Pathway Solutions MYG ($100K +) 2.65% 2.65% 2.65% 3.50% IG nnuities m. Pathway Select MV 10 2.15% 2.15% 2.15% 2.00% merican National Palladium MYG ($100k +) 3.00% 2.00% 2.10% 4.00% Integrity MultiVantage 3.30% 2.30% 2.40% 3.50% Lincoln Financial Group MYGuarantee Plus ($100K +) 2.05% 2.05% 2.05% 2.50% North merican Guarantee Choice ($200K +) 3.50% 3.50% 3.50% 2.50% Standard Focused Growth ($100K +) 3.15% 3.15% 3.15% 3.00% VOY Financial Guaranteed Choice ($75K +) 2.50% 1.50% 1.60% 3.25%

IG nnuities llianz merican National m. Pathway chiever MV m. Pathway Select MV m. Pathway Solutions MYG Dominator Plus Palladium MYG Best Standard & Poors Standard & Poors 83 Comdex 87 Comdex 80 Comdex <$100K $100+ 5 Year Guarantee Period 3 year Suspended 6 year 1.55% 5 year 2.10% 2.25% 4 year Suspended 6 year 2.20% 2.35% $25,000 - $99,999 1.50% 5 year 2.00% / 1.00% (yrs 2-5) 5 year 1.55% 7 year 2.50% 2.65% $100,000 plus 1.50% 6 year 1.40% 7 year 1.75% 8 year 2.40% 2.55% 7 year 3.00% / 2.00% (yrs 2-7) 10 year 2.15% 9 year 2.45% 2.60% 10 Year Guarantee Period 8 year 2.00% 10 year 2.50% 2.65% 9 year 3.80% / 1.80% (yrs 2-9) $25,000 - $99,999 1.90% 10 year 2.90% / 1.90% (yrs 2-10) $100,000 plus 2.00% dditional 10 bps for premium of $100K and up. 1.50% minimum guarantee 1.00% min guar (1.5% in MD/3% in WY) : 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0 : 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0 : 8, 8, 8, 7, 6, 5, 4, 3, 2, 1, 0 : 9, 8.1, 7.2, 6.3, 5.4, 4.5, 3.6, 2.7, 1.8,.9 : 8, 8, 8, 7, 6, 5, 4, 3, 2, 1, 0 a) Surrender during 30 day window that starts 45 days PRIOR to policy anniversary. b) Let it renew at a rate valid until end of 10th a) Surrender during 30 day window that starts 45 days PRIOR to policy anniversary. b) Let it renew at a rate valid until end of 10th yr. a) Surrender during 30-day window; b) Let it default to annual renewal for remainder of surrender without MV. a) Surrender or choose a new GP during 30 day window. b) Let it default to annual renewal* a) Surrender during 30 day window; b) Let it default to annual renewal for remaind of surrender. MV still applies. $25,000 NQ & Q 0-85 NQ & Q K, MN, MO, NJ,, OH, OR, P, UT, W 10% immediately. fter 5th year. ges 0-80: 2.00% ges 81-85: 1.50% DE, NV, SC, TX ges 0-80: 1.75% ges 81-85: 1.45% Extended Care (Nursing Home) K, MN, MO, NJ,, OH, OR, P, UT, W 10-year option not avail in DE, NV, SC,TX 10% immediately. fter 5th year. I, MN, MO,, SC 15% after 1st year. MO, MN,, OR 10% of premium paid. fter 1st year., UT Minimum guarantee varies by state, please call for details Interest only after 30 days. fter 3rd year. MV still applies. 5 yr 0 7 yr 10 yr 0-75 76-85 5 Year 0-79 80-85 ges 0-80: 1.20% # 2.50% 2.00% 5 year 1.50% 0.63% ges 0-75: 3.00% 3 yr 1.50% 0.50% ges 81-85: 0.90% # 1.75% 1.20% 6 year 2.00% 0.75% ges 76-80: 2.00% 4 yr 2.00% 1.00% Comp for: DE, NV, SC, TX 7 year 2.00% 0.75% 5 yr 2.50% 5 yr 0 7 yr 10 yr 8 year 3.00% 1.00% 10 Year 6, 7, & 8 yr 2.50% 0.50% ges 0-80: 0.90% # 2.00% n/a 9 year 3.25% ##### ges 0-75: 4.00% 9 yr 3.00% 1.00% ges 81-85: 0.85% # 1.50% n/a 10 year 3.50% 1.25% ges 76-80: 3.00% 10 yr 4.00% 2.00% Extended Care (Nursing Home) DL waiver. *nnual Renewal does not have MV Disability and Confinement waivers. but it will continue down the surrender schedule.

Genworth Integrity Liberty Life ssur. of Boston Lincoln Financial Group SecureLiving Rate Saver MultiVantage Balance 5 MYGuarantee Plus New Directions 6 BBB+ Standard & Poors Standard & Poors - Standard & Poors - Standard & Poors - Standard & Poors 3 Moody's a3 Moody's 75 Comdex 96 Comdex 77 Comdex 89 Comdex 89 Comdex 5 Year 7 Year Year1 <$100K $100+ < $100 K 1.90% 2.25% 4 year: 2.00% / 1.00% (yrs 2-4) Year 1 Yrs 2-5 3 year N/ N/ < $100K: 1.85% 5 year: 2.25% / 1.25% (yrs 2-5) <$100K 3.45% 1.45% 4 year N/ N/ > $100K: 2.00% $100 K - $249,999 2.10% 2.45% 7 year:* 2.95% / 1.95% (yrs 2-7) > $100K: 3.60% 1.60% 5 year 1.75% 1.90% 10 year:* 3.30% / 2.30% (yrs 2-10) 6 year 2.05% 2.20% $250 K and + 2.20% 2.55% *ME, NH,, VT: 4 & 5 same as above. These rates assume the Return of 7 year 2.15% 2.30% **SPECIL NOTE** Year1 Premium has been waived. If not waived, 8 year 2.20% 2.35% New Directions is an Indexed nnuity. 7 year: 2.85% / 1.85% (yrs 2-7) first year rate will be 1.00% lower. 9 year 2.30% 2.45% mounts allocated into the fixed 10 year: 3.15% / 2.15% (yrs 2-10) 10 year 2.35% 2.50% account are guaranteed for. : 9, 8, 7, 6, 5 : 9, 8, 7, 6, 5, 4, 3 a) Surrender or choose a new GP* during 30 day window; b) Let it automatically renew for a new GP*. $25,000 NQ & Q Varies depending on guaranteed period 4yr: 8,8,7,7,0 5yr: 8,8,7,7,6,0 7, 7, 6, 5, 4, 3, 2, 0 : 7, 7, 7, 6, 5, 0 7yr: 8,8,7,7,6,5,4,0 10yr:8,8,7,7,6,5,4,3,2,1,0 Surrender will match guaranteed period* : 9, 8, 7, 6, 4.75, 3.50, 0 a) Surrender or choose a new GP. Surrender a) Surrender a) Surrender a) Surrender and MV retarts. b) Let it default to annual renewal. b) Choose a new GP during (see remarks)* b) Let it default to annual renewal. b) Let it default to annual renewal. c) Let it default to annual renewal. $20,000 NQ & Q 85 NQ & Q 0-89 NQ & Q 18-85 NQ & Q DE, DE, MT vailable in all states IL, MN, MO, NV Last 12 months of interest minus any prior withdrawals in that period fter 13 months. ges 0-75: ges 76-80: ges 81-85: fter 2nd year. Up to 20% cumulative. fter 5th Year. (fter 1st Yr in FL) fter 2nd year. (fter 1st Yr in FL) 5 Year 7 Year 0-75 76-85 86-89 0-75 76-80 81-85 2.00% 2.75% 4 yr 2.00% 1.50% 1.20% ges 0-80: 2.00% 3-4 year 1.00% 0.65% 0.50% ges 0-75: 3.50% 1.35% 2.15% 5 yr 2.50% 2.00% 1.70% ges 81-85: 0.75% 5 year 2.00% 1.30% 0.75% ges 76-80: 2.75% 0.70% 1.50% 7 yr 3.00% 2.20% 1.80% 6 year 2.25% 1.50% 0.75% ges 81+: 1.75% 10 yr 3.50% 2.70% 2.00% 7-10 year 2.50% 1.60% 1.00% Medical Care Facility waiver. *Surrender and MV restarts. $750,000 max. premium ages 76-89. Confinement waiver. Non- Qualified medical stay, terminal and chronic illness waivers. This product does NOT offer any type of confinement/nursing home waiver *New surrender schedule applies. Nursing home and terminal illness waivers

Minnesota Life North merican Principal SecureOption Select Guarantee Choice Guarantee Choice II Preferred Series nnuity Select Series (FPD in 1st year) a3 Moody's 93 Comdex 92 Comdex 92 Comdex 5 Year < $100k $100k+ <$200k $200k + <$200k $200k + <50K <$100K $100+ 4 year: Premium Bonus 1.50% 1.50% 3 Year n/a n/a 3 Year n/a n/a 3 Yr Base** 1.10% 1.10% 1.10% < $50,000 1.10% 0.00% 4 Year* 3.00/1.05% 3.00/1.5% 4 Year 3.00/1.00% 3.00/1.40% 1st Yr Bonus 0.00% 0.25% 0.75% $50k - $99,999 1.10% 0.00% 7 Year < $100k $100k+ 5 Year 2.10% 2.30% 5 Year 2.05% 2.25% 4 Yr Base 1.30% 1.30% 1.30% $100,000 + 1.10% 0.50% 1.90% 2.10% 6 Year 2.35% 2.50% 6 Year 2.30% 2.45% 1st Yr Bonus 0.00% 0.50% 0.90% 6 year: 7 Year 2.65% 2.80% 7 Year 2.60% 2.75% 5 Yr Base 1.45% 1.55% 1.60% < $50,000 1.30% 0.50% 9 Year < $100k $100k+ 8 Year 2.75% 2.95% 8 Year 2.70% 2.90% 1st Yr Bonus 0.00% 0.75% 1.00% $50k - $99,999 1.35% 1.00% 2.60% 2.80% 9 Year 2.85% 3.05% 9 Year 2.80% 3.00% 6 Yr Base 1.55% 1.55% 1.55% $100,000 + 1.35% 2.00% 10 Year 3.25% 3.50% 10 Year 3.00% 3.15% 1st Yr Bonus 0.50% 1.00% 2.00% <$100K >$100K 7 Yr Base 1.85% 1.85% 1.85% 3 Year 1.10% 1.25% 0.00% 1.50% minimum guarantee 0.50% minimum guarantee 1st Yr Bonus 0.00% 0.85% 1.20% 9 year 2.00% 2.20% 0.00% : 9, 9, 8, 7, 6, 5, 4, 3, 2, 0 10, 10, 10, 10, 10, 9, 8, 6, 4, 2 9.3, 8.4, 7.5, 6.6, 5.7, 4.75, 3.8, 2.85, 1.9, 0.95 8, 7, 6, 6, 5, 4, 3 3yr: 7,7,7,0 4yr: 7,7,7,6,0 Surrender will match guaranteed period* Surrender will match guaranteed period* Surrender will match guaranteed period* 9yr: 7,7,7,6,5,4,3,2,1,0 6yr: 7,7,7,6,5,4,0 a) Surrender during 30 day window; a) Surrender during 30 day window; a) Surrender during 30 day window; a) Surrender during 30 day window; a) Surrender; b) Let it automatically renew for same GP. b) Let it automatically renew for same GP. b) Let it automatically renew for same GP. b) Let it automatically renew for same GP. b) Let it default to annual renewal. New surrender applies New surrender applies New surrender applies. $10,000 NQ $10,000 NQ $2,000 Q $2,000 Q Subsequent Premium (1st yr only): $2,000 (3 year: $50,000) 0-90 NQ & Q (85 max in OK) 0-90 NQ & Q (85 in IN and OK) 0-90 NQ & Q 0-90 NQ & Q, W Variable License Required to sell in: L,R,C,CT,IN,MI,MN,MO,NJ,WI DE, For K, MN, MO, MV, OH, OK, OR, UT, V, W: see Guarantee Choice II product. ONLY PPROVED IN: K, MN, MO, NV, OH, OK, OR, UT, V, W DE, Variation for W. Please call for details. Current year interest only Current year interest only 15% available immediately. During 30-day window. nytime (after 1st year in ). If annuitized nytime (after 1st year in ) in first 3 yrs, credit bonus will be excluded. 5 yr 7 yr 9 yr 0-80 81-85 86-90 0-80 81-85 86-90 0 0-80 81-85 86-90 3 yr ges 0-79: 1.00% ges 0-80: 3.00% 3.50% 4.00% 3 yr 1.50% 1.13% 0.75% 3 yr 1.50% 1.13% 0.75% 3 yr 1.00% 0.70% 0.50% ges 80-85: 0.50% ges 81-85: 1.25% 1.50% 1.75% 4 yr 2.00% 1.50% 1.00% 4 yr 2.00% 1.50% 1.00% 4 yr 1.90% 1.25% 0.60% 4 yr ges 0-79: 2.25% ges 86-90: 0.63% 0.75% 0.88% 5-10 yr 2.50% 1.88% 1.25% 5-10 yr 2.50% 1.88% 1.25% 5 yr 2.25% 1.50% 0.75% ges 80-85: 1.50% 0.25% lower in CT, FL, IL, TX 6 yr 2.50% 1.75% 1.00% 6 yr ges 0-79: 3.00% In OK and IN it reduces at age 76 7 yr 3.00% 2.00% 1.05% ges 80-85: 2.00% and at age 81. Trail options available. 9 yr ges 0-79: 5.00% Non-MV Product Nursing Home Waiver. Not avail. in M. Nursing Home Waiver Nursing Home Waiver Terminal Illness, Disability, Confinement waiver (3yr: 0.50%) Return of Premium available at lower rates. 0.50% minimum guarantee

Protective Life The Standard United of Omaha VOY Financial Future Saver II Focused Growth nnuity Ultra Secure Plus Guarantee Choice FPD Best - Standard & Poors - Standard & Poors 3 Moody's 87 Comdex 75 Comdex 2 Year Suspended <$100K >$100K <$50k >$50k 3 Year Suspended 5 Year 2.25% 2.35% 5 Year 1.25% 1.40% <$75k 4 Year Suspended 7 Year 1.70% 1.85% 7 Year 1.50% 5 Year 1.05% 6 Year 2.45% 2.55% 10 Year 1.50% 6 Year 7 Year 1.30% 1.50% 7 Year 2.60% 2.70% $75k+ 8 Year 1.75% 7 year 2.50% / 1.50% (yrs 2-7) 9 Year 1.90% 10 Year 3.05% 3.15% 10 year 2.50% / 1.50% (yr 2-10) 10 Year 2.00% *1st year bonus on deposits $100k+ 1.50% minimum guarantee : 8.5, 7.5, 6.5, 5.5, 4.5, 3.5, 8, 7, 6, 5, 4, 3, 2, 1, 0.9, 0 5 year: 6, 6, 6, 6, 5 2.5, 1.5,.5 Surrender will match guaranteed period 7 year: 6, 6, 6, 6, 5, 4, 3 : 9, 8, 7, 6, 5, 4, 3, 2, 1, 0 a) Surrender, choose a 1 yr GP, or select a) Surrender; a) Surrender, choose a 1 yr GP, or select a) Surrender or choose a new GP during a new GP during 30-day window. b) Let it default to annual renewal. a new GP during 30-day window. 30 day window; b) Let it automatically renew for same GP. b) Let it automatically renew for same GP. b) Let it automatically renew for a new GP. $2,000 minimum additional deposit $15,000 NQ & Q $15,000 NQ & Q 0-90 NQ & Q (0-80 on 10 yr option) 0-89 NQ & Q 0-80 NQ & Q DE, MN,, VT Interest only withdrawals Only during 30-day window. Interest only after 30 days nytime. 10% available immediately 0-80 81-85 86-90 0-75 76-80 ges 0-75 ges 76+ 5 Year 2.00% 1.00% 0.77% ges 0-75: 4.00% 5 yr n/a n/a 2 Year: 6 Year 2.00% 1.00% 0.77% ges 76-80: 3.00% 7 yr 2.50% 1.88% 3 Year: 7 Year 2.00% 1.00% 0.77% ges 81-89: 2.00% 10 yr 3.25% 2.44% 4 Year: 10 Year 3.00% 0.00% 0.00% 5-10 Years: Commission is 50bps lower in IN, M, SC, TX and UT Trail option available.*.50% 1st year premium bonus on 3-, 1.00% 1st year Nursing Home waivers in all Return of Premium Nursing Home/Terminal Illness waiver. premium bonus on 5-. states except for M. LTC, Unemployment, and Disability waivers Nursing Home waivers. 10 yr option only has 9 yrs of surrender Optional Money Back Guarantee at cost. charge, but MV applies for 10 yrs. Interest only after 30 days. During 30-day window.