SpectraMark SM Series Annuity Quick Reference

SpectraMark SM Series Annuity Quick Reference As of Carrier Product Product Features Liquidity Options/ Rider Features / Crediting Options Guaranteed Rates B++ (Good) for For most current rating information, call Marketing at 800-395-1053, Ext. 4002. SpectraMark SM 10-year flexible deferred fixed indexed annuities* 0 85 Nonqualified 18 85 Qualified Dates: Issued with effective date of the 1st, 8th, 15th, or 22nd of the month. Application and must be received in good order two business days (not counting the date of receipt) prior to an Otherwise, applications and are held without interest until the next allocation date following the date all materials are received in good order. 3% upfront bonus on Year 1 s. Checkbook access. **, Index gains vest to date of death. No market value adjustment. No chargebacks upon death and qualification under liquidity rider. Joint payouts allowed on both qualified and nonqualified contracts. Value Riders Both riders included with all SpectraMark sales. Current combined cost: 1.10% annually. 1. Income Security Rider SM a built-in benefit that provides lifetime income without annuitization. o Income base is the greater of: plus 6.25% compound roll-up rate for up to 10 years, or plus 18% income base bonus. o Enhanced payment if impaired in 2 of 6 ADLs up to 2X the withdrawal percentage! o Automatic step-ups. o NEW! Restart available for up to 10 years.* 2. Enhanced Legacy Rider a built-in benefit that provides an level of death benefit payout options. o Beneficiaries choose one of two options: Lump sum: 5% simple interest, or Income base: paid out for 5 years (ages 0 70), or 10 years (ages 71 85). Refer to sales guide for complete details on each option. Liquidity Riders Automatic riders that provide waiver of surrender charges upon qualification. ** Included at no cost. 1. Nursing Home. 2. Terminal Illness. 3. Unemployment. 4. Home Health Care. Charge-Free Year 1: required distribution (MRD) or substantially equal periodic payments (SEPP). Years 2 10: Greater of MRD, SEPP, or up to 10% of account value as of the prior anniversary, less any free withdrawals taken during the current contract year. ** Four withdrawals are allowed per contract year with $500 per withdrawal. Schedule % (Refer to State Approval Matrix for product approval information.) SpectraMark: 14, 13, 12, 11, 10, 8, 6, 4, 2, 1, 0% Indiana Only 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 0% SpectraMark LT: 9, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% 5.75% 100% Annual 3.50% 100% Monthly 1.85% 100% 3.75% 100% S&P 500 Three-Year Spread 4.00% 100% Declared Rate on Gain Option: 3.50% Fixed Option: 2.10% Declared and guaranteed for 12 months from the date is received. Rates effective, and $10,000 ($2,000 per interest crediting option allocation). $2,000 (allowed before current oldest owner reaches age 86). s will be allocated to the Fixed Option and may be reallocated to an index option on contract anniversaries only. per owner without Home Office Guaranteed Value (MGSV): 87.5% of s reduced by surrenders (and any surrender charges thereon) and withdrawals, rider charges, and adjusted for any account value reallocations, accumulated at a rate between 1% and 3% (set at the time the contract is issued). MGSV is calculated individually for each interest crediting option. Current Guaranteed Rate: 1.00% cap is 5%. Annual cap is 3%. Monthly Monthly cap is 3%. (S&P 500 ) Three-Year Monthly Declared Rate on Gain Option: declared rate is 1%. Fixed Option: effective annual interest rate is 1%. SpectraMark: 8.00% (Ages 0 75) 4.00% (Ages 76 85) SpectraMark LT: 6.25% (Ages 0 75) 3.13% (Ages 76 85) s are paid on all prior to Year 4. Chargebacks: 100% chargeback within 12 months of full surrender or withdrawals exceeding the surrender chargefree amount (50% during second 12 months). 100% chargeback on annuitization prior to Year 3. See Compensation Schedule for details. SpectraMark: AR, AZ, CA 1, CO, DC, FL 1,2,3, GA, HI 1, IA, ID 3, IL 1, IN 1, KS, KY, LA, MD 1, ME, MI, MO 1, MT, NC 1, ND, NE, NH 4, NJ 1, NM, PA 1, RI, SD, TN, VA 1, VT, WI, WV, WY SpectraMark LT: AK, DE 1, FL 1,2,3, MA 3,5, NV, OH, OK, SC, TX 1, UT 1. Restart not available on Income Security Rider SM. 2. SpectraMark available ages 0 64, SpectraMark LT available ages 65 and over. 3. Home Health Care Rider not 4. Step Forward Strategy not 5. Nursing Home Rider and Unemployment Rider not Products are distributed by Legacy Marketing Group : www.legacynet.com. Refer to contract, Earnings Rate Update, sales guide, and State Approval Matrix for details. Policy Form Nos: ACI-1018(06-11), API-1018(06-11), et al. Rider Endorsement Nos.: ARI-1040(11-12), ARI-1011(02-11), et al. Optional provisions and riders may have limitations, restrictions, and charges. rates are effective annual rates. Indexed interest rates are subject to a cap, spread, or declared rate, which are subject to change at the discretion of. S&P 500 is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s makes no representation regarding the ** may be taxable and subject to penalties prior to age 59½. may reduce the death benefit. It is recommended that tax advisers be consulted. Roll-up amount is a current guaranteed rate. reserves the right to change this rate for future sales of the rider or upon restart to not less than a guaranteed rate of 3%. Draft must be a of $500 and made payable to the Owner s bank. Drafts limited to four per year. Available only to individual U.S. residents and on traditional IRA and nonqualified contracts. Also known as the 3-Year High Value Fixed Indexed Crediting Option Rider. Also known as the One-Year Point-to-Point Fixed Index on Gain Crediting Option Rider. FG1539v0413 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 13-103

SecureMaster SM SPIUL Quick Reference 800-395-1053, Ext. 4002 As of Carrier Product Features Bonus Liquidity Crediting Options Guarantees B++ (Good) for For most current rating information, call Marketing at 800-395-1053, Ext. 4002. SecureMaster SM Single Indexed Universal Life * 50 85 Date: Issued with effective date of the 15 th of the month. must be received in good order two business days prior to the Strong death benefit. No-lapse guarantee to age 110.** Guaranteed return of. 10% upfront interest. Accelerated benefit riders at no monthly cost and no underwriting: Terminal Illness and Critical Illness. 1 Simplified underwriting with point-of-sale underwriting decision. Increased growth potential with indexed crediting strategies. classes: Standard non-tobacco and Standard Tobacco. Male/Female rates in all states except MT. 10% upfront bonus credited to the initial single amount on the date of issue. All charges will be taken from the policy after the bonus has been credited. Policy Loans: Available after Year 1 up to the cash surrender value. Number of loans available in a policy year is unlimited. The loan balance will be charged an annual rate of 4%. The loaned collateral account will be credited an annual rate of 2%. repayment is $25. Partial s: Available after Year 1 ($500 ). The death benefit face amount will be reduced by the partial surrender amount including any surrender charge. Partial surrenders are not available while an accelerated benefit rider is triggered. Monthly 2.75% 100% Pointto-Point With 100% Par. Rate With : 6.00% 100% Pointto-Point With 140% Par. Rate With : 5.50% 140% Declared Rate Option: 3.00% Declared and guaranteed for 12 months from the date is received. Rates effective, and $20,000. $25,000 face amount. s are not allowed. Maximum face amount: Ages 50 76: $500,000. Ages 77 85: $250,000. Return of The Return of rider guarantees the surrender value will never be less than 100% of s paid, less any loan balance or net partial surrenders and accelerations. Guaranteed Rates Indexed Options: interest rate guarantee is 0.25% annually. Declared Rate Option: interest rate guarantee is 0.25% annually. Guaranteed s Indexed Options: 1.50%. Ages 50 79: 8.00% Ages 80 85: 4.00% Chargebacks on lapse or surrender: Year 1: 100% Year 2: 50%. Years 3+: NA AK, AR, AZ, CA 1,2, CO, CT 1, DC, FL 1, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY 1. Critical illness accelerated benefit rider not 2. Terminal illness accelerated benefit rider not Schedule %: 14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% 1. Not available in all states and not available for issue ages 81 and older in any state. SecureMaster SM single indexed universal life policies are issued by ; products are distributed by Legacy Marketing Group. Subject to state availability. Certain restrictions may apply. Optional provisions and riders may have limitations, restrictions, and charges. Receipt of accelerated benefits will reduce the policy s death benefit and cash value. Refer to policy, Earnings Rate Update, sales guide, State Approval Matrix, and Compensation S&P 500 is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s makes no representation regarding the ** No-lapse guarantee does not apply if partial surrenders are taken or policy loans are not repaid. Participation rate is part of the index interest formula. FG1518v0413 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 12-382

NEW SM Annuity Series Quick Reference Carrier Product Features Riders* Bonus* / Current Crediting Rates Guarantees As of PHL Variable Hartford, CT Ratings: B+ (Good) for strength. 6 th highest of 16 single deferred fixed indexed annuities* 5- or 10-year surrender period with vesting bonus options up to 7% (varies by state). 10-Year Products Bonus CMark: 0% CMark LT: 0% CMark Plus: 7% CMark Plus LT: 5% 5-Year Products Bonus CMark IR: 5% CMark IR LT: 4% Issue Ages 0 85, Q and NQ. 0 69, Inherited IRAs and Inherited Roth IRAs. 0 79 in CA, IA, and NC. Dates 1 st, 8 th, 15 th, and 22 nd of the month. Application and must be received in good order two business days prior to the Otherwise, applications and are held without interest until the next available allocation date. Choice of multiple crediting rate strategies, including groundbreakin g gold- and swap-ratebased strategies. Checkbook access.** Confinement Waiver Systematic Contract Death Benefit Greater of surrender value or annuity value. Income Riders Income Command Rider SM 2.0 Enhanced Provides guaranteed income without annuitization plus enhanced income upon confinement. Income Command Rider SM 2.0 Provides guaranteed income without annuitization. Non-bonus products: 10% compound annual roll-up. 6-year roll-up period. Bonus products: 6.50% compound annual roll-up. 10-year roll-up period. Note: An income rider must be elected with 5-year products. Death Benefit Rider Heritage Rider Enhanced death benefit equals the GREATER of: 1. Contractual death benefit, or 2. Annuity value plus 50% of difference between Income Base and annuity value. Available only with election of an income rider to issue ages 0 75. Current Annual Rider Costs Income Rider only: 0.95%. Income Rider and Heritage Rider: 1.15%. 4, 5, or 7% vesting bonus options, depending on issue state and product selected: CMark Plus: 7% CMark Plus LT: 5% CMark IR: 5% CMark IR LT: 4% Vesting Schedule Begins earning interest on the issue date but doesn t begin vesting until the first day of Year 6 for 10-year products or Year 5 for 5-year products. Plus, IR, Year Plus LT IR LT 1 4 0% 0% 5 0% 50% 6 10% 100% 7 20% 8 35% 8 55% 10 75% 11+ 100% Please refer to product inserts for Ohio bonus vesting schedule. Penalty-Free Up to 10% of the annuity value each year after the first year, or required distribution (MRD) beginning Year 1 without surrender charges or MVA. Schedule (+/-MVA) : 12, 12, 12, 11, 10, 9, 8, 7, 6, 5, 0% Plus: 15, 15, 14, 13, 12, 10, 9, 8, 7, 6, 0% LT and Plus LT: 9.00, 8.25, 7.25, 6.50, 5.50, 4.50, 3.75, 2.75, 1.75, 0.75, 0% IR: 12.50, 11.50, 10.50, 9.50, 8.00, 0% IR LT: 9.00, 8.25, 7.25, 6.50, 5.50, 0% Point-to-Point With Par. CMark: 2.00% 100% CMark LT: 2.00% 100% CMark Plus: 1.25% 100% CMark Plus LT: 1.25% 100% CMark IR: 1.25% 100% CMark IR LT: 1.25% 100% Rising Strategy (100% Par.) Mtplr. CMark: 1.80% 2.40 CMark LT: 1.80% 2.40 CMark Plus: 1.20% 1.60 CMark Plus LT: 1.20% 1.60 CMark IR: 1.20% 1.60 CMark IR LT: 1.20% 1.60 Gold Strategy Par. CMark: 1.50% 100% CMark LT: 1.50% 100% CMark Plus: 1.00% 100% CMark Plus LT: 1.00% 100% CMark IR: 1.00% 100% CMark IR LT: 1.00% 100% Guaranteed Fixed Rate Rate CMark: 1.15% CMark LT: 1.15% CMark Plus: 0.75% CMark Plus LT: 0.75% CMark IR: 0.75% CMark IR LT: 0.75% Rates effective, and $3,000 Q. $15,000 NQ. per owner without Home Office not allowed. Value is the GREATER of: 1. guarantee 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 (excluding bonus) less withdrawals and deductions, accumulated at the guaranteed interest rate between 1% and 3%. Current guaranteed interest rate: 1.00% Point-to-Point With : Rising Strategy: multiplier is 1. Gold Strategy: Guaranteed Fixed Rate: interest rate is 0%. : 9.00% (0 75) 6.75% (76 80) 4.50% (81 85) IR: 4.50% (0 75) 3.38% (76 80) 2.25% (81 85) Plus: 7.50% (0 75) 5.63% (76 80) 3.75% (81 85) LT: 8.50% (0 75) 6.38% (76 80) 4.25% (81 85) IR LT: 4.50% (0 75) 3.38% (76 80) 2.25% (81 85) Plus LT: 7.00% (0 75) 5.25% (76 80) 3.50% (81 85) s are based on the issue age of the current older owner. Chargebacks: s paid on free-looked contracts and s received within 12 months of full surrender are charged back at 100%. s for s received within 12 months of death are charged back at a declining schedule (based on elapsed months) for death. CMark, CMark Plus, CMark IR: AR, AZ, CA 1,3,4, CO, DC, GA, IA 1, ID, KS, KY, LA, MA 2, MD 2, MI, MS, MT, NC 1, ND, NE, NH, NM, RI, SD 2, TN, VT, WI, WV, WY CMark LT, CMark Plus LT, CMark IR LT: CT 3,5, IN 5, OH 6, OK, SC, TX, UT 1. Issue ages 0 79. 2. Confinement waiver not 3. Enhanced income rider not 4. Heritage Rider not 5. Bonus products not available in state. 6. State-specific bonus vesting schedule. Products and riders are distributed by Legacy Marketing Group : www.legacynet.com. 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. ** Draft must be a of $500 and made payable to the Owner s bank. Drafts limited to four per year. Available only to individual U.S. residents and on traditional IRA and nonqualified contracts. Also known as the Point-to-Point With Multiplier Strategy. PH1116v0413 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. BPD38456 09/12

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 deferred fixed indexed annuities* 10-year surrender period with vesting 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. 0 79 in CA, IA, and NC. Dates 1 st, 8 th, 15 th, and 22 nd of the month. Application and must be received in good order two business days prior to the Otherwise, applications and are held without interest until the next available Optional Income Command Rider SM. Current annual rider cost: 0.95%. Non-bonus products: 10% compound annual roll-up. 6-year roll-up period. Bonus products: 7.50% compound 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% 10 100% 70% 50% 11 84% 60% 12 100% 70% 13 80% 14 90% 15 100% Bonus products may have less favorable crediting rates. Penalty-Free Up to 10% of the annuity value each year after the first year, or 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 Strategy (100% Par.) Mtplr. : 1.20% 1.60 8: 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% Guaranteed Fixed Rate Most 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. $15,000 NQ. per owner without Home Office 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 (excluding bonus) less withdrawals and deductions, accumulated at the guaranteed interest rate between 1% and 3%. Current guaranteed interest rate: 1.00%. Point-to-Point With : Rising Strategy: multiplier is 1. Monthly Averaging Blended: Gold Strategy: Guaranteed 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 owner. Chargebacks: s paid on free-looked contracts and s received within 12 months of full surrender are charged back at 100%. s for s received within 12 months of death are charged back at a declining schedule (based on elapsed months) for death. HI, IL LT FL 1, NV 1. Waiver of Charges Provision not Products are distributed by Legacy Marketing Group : www.legacynet.com. 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. ** Draft must be a of $500 and made payable to the Owner s bank. Drafts limited to four per year. Available only to individual U.S. residents and on traditional IRA and nonqualified contracts. Also known as the Point-to-Point With Multiplier Strategy. PH1047v0413 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. BPD38204 02/12

Annuity Series Quick Reference Carrier Product Features Riders Schedule % Crediting Rate Strategies Guaranteed Rates As of B++ (Good) for For most current rating information, call Marketing at 800-395- 1053, Ext. 4002. flexible deferred fixed indexed annuities* 0-85. 0-64 in FL on 12-year products. 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, 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 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 guaranteed annuity value. Annuitize for full annuity value in Year 6; value years 1 5. No market value adjustment. Joint payouts allowed on both qualified and nonqualified contracts. Income Rider SM : A built-in benefit with bonus products (not available with non-bonus products) that provides flexible, guaranteed income for life without annuitization. o 6.50% compound rollup rate for up to 10 years. o Current rider cost is 70 bps. Compound roll-up amount is a current guaranteed rate. Guaranty Life reserves the right to change this rate for future sales of Income Rider or for restart to not less than a guaranteed rate of 3%. The greater of 10% of annuity value each year including the first year, or the 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 : : 7.00% 100% SE: 7.00% 100% 7: 5.00% 100% 7 SE: 5.00% 100% : 3.50% 100% SE: 3.50% 100% 7: 3.00% 100% 7 SE: 3.00% 100% S&P 500 Monthly : : 1.75% 100% SE: 1.75% 100% 7: 1.60% 100% 7 SE: 1.60% 100% S&P 500 Two-Year Monthly Avg: : 9.00% 100% SE: 9.00% 100% 7: 7.00% 100% 7 SE: 7.00% 100% (S&P 500 ) Three-Year Monthly Avg. With Spread: Spread : 5.00% 100% SE: 5.00% 100% 7: 5.00% 100% 7 SE: 5.00% 100% (S&P 500 ) Declared Rate on Gain: : 3.25% SE: 3.25% 7: 2.50% 7 SE: 2.50% Guaranteed One-Year: Declared and guaranteed for 12 months from the date is received. : 1.50% SE: 1.50% 7: 1.55% 7 SE: 1.55% Rates effective, and subject to change. Check $3,000 initial on qualified. $5,000 initial on nonqualifie d. $2,000 * (allowed before current oldest owner reaches age 86). per owner without Home Office Guaranteed Annuity Value: 87.5% of payments less gross withdrawals, accumulated at a guaranteed interest rate between 1% and 3% (set at the time the annuity is issued). Current Guaranteed 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 : 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 owner. : 0 75: 6.50% 76 85: 3.25% SE: 0 75: 6.50% 76 85: 3.25% 7: 0 75: 4.00% 76 85: 2.00% 7 SE: 0 75: 4.00% 76 85: 2.00% See Compensation Schedule for details. Products are distributed by Legacy Marketing Group : www.legacynet.com. 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-0708-0, OM-CEIAII-0708-B, OM-CEIAII-0708-0-1, OM-CEIAII-0708-B-1, et al. Rider Form No: OM GMWB-FA (01-09). S&P 500 is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s makes no representation regarding the * In WA, products are available as single deferred fixed indexed annuities only. Additional s do not apply. ** Draft must be a of $500 and made payable to the Owner s bank. Drafts limited to four per year. Available only to individual U.S. residents and on traditional IRA and nonqualified contracts. 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, 2009. Available on products issued on or after May 16, 2011. Available on products issued on or after October 3, 2011. Series: AR, AZ, CA, CO, CT 1,2,4,5, DC, DE, FL 3, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA 1, MD, ME, MI, MN 1, MO, MT, NC, ND, NE, NH, NJ, NM, NV 1, OH 1, OK, PA, RI, SC, SD, TN, TX 1, UT 1, VA, WA*,1, WI, WV, WY 1. 12-year products not Also, in MN, NV, UT, and WA, 7 SE not 2. Two-Year Monthly Average Strategy not 3. and SE available only to ages 0-64. 4. Three-Year Monthly Average With Spread Strategy not 5. Declared Rate on Gain Strategy not FG1171v0413 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 12-693

Series Annuity Quick Reference As of Carrier Product Features Rider Bonus / Crediting Options Guaranteed Rates B++ (Good) for For most current rating information, call Marketing at 800-395-1053, Ext. 4002. Series 10-year flexible fixed deferred indexed annuity* 0 75 Nonqualified 18 75 Qualified Dates: Issued with effective date of the 1st, 8th, 15th, or 22nd of the month. Application and must be received in good order two business days (not counting the date of receipt) prior to an Otherwise, applications and 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. 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. Joint payouts allowed on both qualified and nonqualified contracts. Income Rider SM : An included annuity benefit that provides flexible, guaranteed income without annuitization. o 6.50% compound roll-up rate for up to 10 years. o Current rider cost is 70 bps annually. o NEW! Restart available for up to 10 years.* 7% vesting bonus. (Bonus is available on initial 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 % 1 10 2 20 3 30 4 40 5 50 6 60 7 70 8 80 9 90 10 100 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 payments will not start a new surrender charge period. 5.00% 100% Annual 3.00% 100% Monthly 1.60% 100% 3.00% 100% S&P 500 Two-Year 7.00% 100% (S&P 500 ) Three-Year Spread 6.00% 100% Declared Rate on Gain Option:*, 2.50% Fixed Option: 1.55% Declared and guaranteed for 12 months from the date is received. Rates effective, and $10,000 ($2,000 strategy allocation). $2,000 (allowed before current oldest owner reaches age 86). s will be allocated to the Fixed Option and may be reallocated to an index option on contract anniversaries only. bonus is not available on s. per owner without Home Office Guaranteed Value: 87.5% of 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 Guaranteed 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% cap is 5%. Annual cap is 3%. Monthly Monthly cap is 3%. S&P 500 Two-Year Monthly cap is 6%. (S&P 500 ) Three-Year Monthly Declared Rate on Gain Option:*, declared rate is 1%. Fixed 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 prior to Year 4. : AR 1, AZ, CA, CO, DC, DE, FL 2, GA, HI, IA, ID 1, IL, IN, KS 1, KY, LA 1, MD, ME 1, MI 1, MO, MT 1, NC, ND, NE, NH 3, NJ, NM, OK 1, PA, RI, SC, SD 1, TN, VA, VT 1, WI 1, WV, WY LT: AK 1, FL 2, MA 1, NV 1, OH 1, TX, UT 1 1. Restart available on Income Rider SM. 2. In Florida, is available for ages 0 64; LT is available for ages 65 75. 3. Declared Rate on Gain Option not available in this state. Product is distributed by Legacy Marketing Group : www.legacynet.com. 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-1039(11-12). Optional provisions and riders may have limitations, restrictions, and charges. Indexed interest rates are subject to a cap, spread, or declared rate. rates are effective annual rates. s, spreads, declared rates, and interest rates are subject to change at the discretion of. S&P 500 is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s makes no representation regarding the ** Draft must be a of $500 and made payable to the Owner s bank. Drafts limited to four per year. Available only to individual U.S. residents and on traditional IRA and nonqualified contracts. 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. reserves the right to change this rate for future sales of Income Rider and upon Restart to not less than a guaranteed rate of 3%. Also known as the 3-Year High Value Fixed Indexed Crediting Option Rider. Not available in all states. Available on products issued on or after May 16, 2011. FG1409v0413_A FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 13-093