Indexed Annuities Last update June 22, 2015 SPDA. Ages 0-80 NQ/Q

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1 American National Genworth Strategy Index Plus 7 Strategy Index Plus 10 Value Lock 10 Secure Living Index 5 Secure Living Index 7 A AM Best A AM Best A AM Best A AM Best A AM Best A Standard & Poors A Standard & Poors A Standard & Poors BBB- Standard & Poors BBB- Standard & Poors 78 Comdex 78 Comdex 78 Comdex 61 Comdex 61 Comdex $25,000-$49,999 Bail Out Rate $25,000-$99,999 Bail Out Rate 3.00% Performance Triggered 3.00% Performance Triggered 10 Year 2.25% Ann Pt-to-Pt Cap 1.25% 3.20% Ann Pt-to-Pt Cap 2.20% 4.25% Ann Pt-to-Pt Cap (100%) 4.25% Ann Pt-to-Pt Cap (100%) % Participation Rate 0.95% 1 Year Monthly Cap 1.30% 1 Year Monthly Cap 10.00% 3 Yr Pt-to-Pt Cap (100%) 10.00% 3 Yr Pt-to-Pt Cap (100%) 1.70% Perf. Triggered Rate 2.10% Perf. Triggered Rate 27.00% 3 Yr Pt-to-Pt Cap (50%) 27.00% 3 Yr Pt-to-Pt Cap (50%) $50,000-$99,999 $100,000-$249, % 5 Yr Pt-to-Pt Cap (100%) 20.00% 5 Yr Pt-to-Pt Cap (100%) 3.00% Ann Pt-to-Pt Cap 2.00% 3.70% Ann Pt-to-Pt Cap 2.70% 30.00% 5 Yr Pt-to-Pt Cap (75%) 30.00% 5 Yr Pt-to-Pt Cap (75%) 1.40% 1 Year Monthly Cap 1.50% 1 Year Monthly Cap 40.00% 5 Yr Pt-to-Pt Cap (50%) 40.00% 5 Yr Pt-to-Pt Cap (50%) 2.40% Perf. Triggered Rate 2.60% Perf. Triggered Rate 2.00% 1 Year Monthly Cap 2.00% 1 Year Monthly Cap Monthly Average $100,000-$249,999 $250, % Fixed Account 2.00% Fixed Account 3.50% Ann Pt-to-Pt Cap 2.50% 3.90% Ann Pt-to-Pt Cap 2.90% 1.65% 1 Year Monthly Cap 1.60% 1 Year Monthly Cap 1% Premium Bonus 1% Premium Bonus 2% Premium Bonus 2.80% Perf. Triggered Rate 2.80% Perf. Triggered Rate All or Nothing Crediting High Water with Monthly Average APP/MPP/All or Nothing/Fixed Account 7 Years 5 years 7 years $10,000 NQ/$5,000 Q $10,000 NQ/$5,000 Q $5,000 NQ/$4,000 Q $25,000 NQ/Q $25,000 NQ/Q 1% - 3% on 88.75% of Premium 1% - 3% on 88.75% of Premium 1% - 3% on 88.75% of Premium 105% at end of surrender period 107% at end of surrender period CA, DE, IL, IN, IA, MD, MN, MS, NJ, NY, NC, PA, TX, UT, VA, WY 7,6,5,4,3,2,1 CA, DE, IL, IN, IA, MD, MN, MS, NJ, NY, NC, OR, PA, TX, UT, VA, WA, WY MA, MN, ND, NJ, NY, OR, VT 12,12,11,10,9,8,7,6,5,3 DE, NY DE, NY 9,9,8,7,6 9,9,8,7,6,5,4 5.00% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages Disability Waiver Disability Waiver Disability Waiver Optional Lock-In Feature Fixed Rate of interest from date of Lock-In to the end of the contract Call for rates for premiums of $250,000 or more Visit 's website Rates & vary in AK, MN, OR, PA & WA Page 1 of 8

2 Genworth Lincoln Financial Group Secure Living Index 10 Plus Secure Living Index Growth Plus Lincoln New Directions 6 Lincoln New Directions 8 Lincoln OptiChoice 5 Ages NQ/Q A AM Best A AM Best A+ AM Best A + AM Best A+ AM Best BBB- Standard & Poors BBB- Standard & Poors AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors 61 Comdex 61 Comdex 90 Comdex 90 Comdex 90 Comdex $25,000-$99,999 Bail Out Rate $25,000-$99,999 Bail Out Rate 2.95% Ann Pt-to-Pt Cap 1.95% 2.95% Ann Pt-to-Pt Cap 1.95% Below $100,000 Below $100, % 1 Year Monthly Cap 1.30% 1 Year Monthly Cap 1.45% 1 Year Monthly Cap 8.50% 2 Yr Pt-to-Pt Cap 9.65% 2 Yr Pt-to-Pt Cap 3.05% Perf. Triggered Rate 2.20% Perf. Triggered Rate 2.40% Perf. Triggered Rate 3.50% Perf. Triggered Rate 3.90% Perf. Triggered Rate 3.40% 1 Yr Mo Avg Spread $100,000-$249,999 $100,000-$249, % Fixed Account 2.35% Fixed Account 1.85% Fixed Account 3.45% Ann Pt-to-Pt Cap 2.45% 3.45% Ann Pt-to-Pt Cap 2.45% 1.50% 1 Year Monthly Cap 1.65% 1 Year Monthly Cap $100,000 + $100, % Perf. Triggered Rate 2.90% Perf. Triggered Rate 9.15% 2 Yr Pt-to-Pt Cap 10.40% 2 Yr Pt-to-Pt Cap 1.75% 1 Year Monthly Cap $250,000+ $250, % Perf. Triggered Rate 4.15% Perf. Triggered Rate 3.30% Perf. Triggered Rate 3.65% Ann Pt-to-Pt Cap 2.65% 3.65% Ann Pt-to-Pt Cap 2.65% 2.25% Fixed Account 2.50% Fixed Account 3.05% 1 Yr Mo Avg Spread 1.60% 1 Year Monthly Cap 1.75% 1 Year Monthly Cap 2.00% Fixed Account 2.90% Perf. Triggered Rate 3.10% Perf. Triggered Rate APP/MPP/All or Nothing/Fixed Account 2 Yr PTP\All or Nothing\Fixed Acct Ann Pt-to-Pt/Mo Pt-to-Pt/Mo Avg 6 Years 8 Years 5 Years $25,000 NQ/Q $25,000 NQ/Q $5,000 NQ/ $2,000 Q Call for Details Call for Details CT, DE, NY NY NY NY Approved in all states 10,10,10,10,9,8,7,6,5,4 9,8,7,6,4.75,3.50 9,8,7,6,4.75,3.50,2,0.75 9,8,7,6,5 7.00% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages Bailout Product 6% Premium Bonus (Most States) IncomeChoice Rider included at a cost of 1.10% Bailout Product 50% Interest Bonus applied annually 1.75% Ages % Ages % Ages % Age 85 Visit 's website Page 2 of 8

3 Lincoln Financial Group Lincoln OptiChoice 7 Lincoln OptiChoice 9 Lincoln OptiPoint 8 Lincoln OptiPoint 10 Lincoln OptiBlend 7 A+ AM Best A + AM Best A + AM Best A+ AM Best A+ AM Best AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors 90 Comdex 90 Comdex 90 Comdex 90 Comdex 90 Comdex 1.75% 1 Year Monthly Cap 1.85% 1 Year Monthly Cap 2.55% 2 Yr Monthly Cap 2.55% 2 Yr Monthly Cap 3.60% Annual Pt-to-Pt Cap 3.40% Perf. Triggered Rate 3.55% Perf. Triggered Rate 6.85% 2 Yr Pt-to-Pt Cap 6.85% 2 Yr Pt-to-Pt Cap 3.30% Perf. Triggered Rate 2.95% 1 Yr Mo Avg Spread 2.70% 1 Yr Mo Avg Spread 3.00% Perf. Triggered Rate 3.00% Perf. Triggered Rate 2.00% 1 Yr PTP Spread 2.05% Fixed Account 2.15% Fixed Account 1.75% Fixed Account 1.75% Fixed Account 2.00% Fixed Account Premium Bonus Premium Bonus 1.90% 1 Year Monthly Cap 2.00% 1 Year Monthly Cap 2.00% Yrs 1-3 Below $100, % Yrs 1-4 Below $100, % Annual Pt-to-Pt Cap 3.65% Perf. Triggered Rate 3.80% Perf. Triggered Rate 3.00% Yrs % Yrs % Perf. Triggered Rate 2.50% 1 Yr Mo Avg Spread 2.30% 1 Yr Mo Avg Spread 1.85% 1 Yr PTP Spread 2.20% Fixed Account 2.30% Fixed Account 2.15% Fixed Account Annual Point-to-Point/Monthly Point-to-Point/Monthly Average 7 years 9 Years 2 Yr PTP/2 Year Mo PTP/All or Nothing 8 Years APP/All or Nothing/Fixed Account 7 years $5,000 NQ/ $2,000 Q $5,000 NQ/ $2,000 Q 87.50% of Premium 9,8,7,6,5,4,3,2 Approved in all states 9,8,7,6,5,4,3,2,1 9,8,7,6,5,4,3,2 AK, MN, NY, OR, UT 10,9,8,7,6,5,4,3,2,1 AK, CA, HI, LA, MN, MS, MO, NJ, NY, OR, PA, TX, UT, VT, VA, WA 9,8,7,6,5,4,3 4.10% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Age % Ages % Age % Ages % Age % Age % Age 85 Nursing & inal Illness Waiver Annual Point to Point spread account is the S&P 500 Daily Risk Control 5% Index ( AKA Volatility Controlled) Visit 's website Page 3 of 8

4 Lincoln Financial Group North American Lincoln OptiBlend 10 NAC Benefit Solutions NAC IncomeChoice NAC IncomeChoice NAC RetireChoice Ages Ages Ages Ages A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ AM Best AA- Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors 90 Comdex 90 Comdex 90 Comdex 90 Comdex 90 Comdex S&P 500 $20k - $249,999 $250,000+ $20k - $249, % Annual Pt-to-Pt Cap 70.00% Mo Avg Par Rate - NO CAP 3 Yr MA/MA/APP/MPP 3 Yr MA/MA/APP/MPP MA/APP/MPP 3.70% Perf. Triggered Rate 4.50% Annual Pt-to-Pt Cap 1 45%/40%/2.50%/1.35% 1 50%/40%/2.85%/1.55% 1 35%/2.85%/1.40% 1.50% 1 Yr PTP Spread 2.20% 1 Year Monthly Cap 2 N/A/40%/2.00%/N/A 2 N/A/45%/2.00%/N/A 2 40%/2.00%/N/A 2.25% Fixed Account DJIA 3 N/A/35%/2.00%/N/A 3 N/A/35%/2.00%/N/A 3 30%/2.00%/N/A 80.00% Mo Avg Par Rate - NO CAP 4 N/A/N/A/2.00%/N/A 4 N/A/N/A/2.00%/N/A 4 N/A/2.00%/N/A NASDAQ N/A/N/A/2.00%/1.30% 5 N/A/N/A/2.00%/1.40% 5 N/A/2.00%/1.25% 4.50% Annual Pt-to-Pt Cap 2.10% 1 Year Monthly Cap 1.40% Fixed Account 1.55% Fixed Account 1.35% Fixed Account 4.00% Perf. Triggered Rate S&P 500 Low Volatility Daily Risk 1.25% 1 Yr PTP Spread Control 5% 2.40% Fixed Account 1.35% 1 Yr Mo Avg Spread 2.30% Fixed Account APP/All or Nothing/Fixed Account APP/Mo Pt-to-Pt/Fixed Account 14 years $20,000 NQ/Q 5.00% Premium Bonus GLWB Only 5.00% Premium Bonus GLWB Only Daily Avg/Annual Pt-to-Pt/Mo Pt-to-Pt $50,000 NQ/Q $50,000 NQ/Q 3.00% Premium Bonus GLWB Only 14 Years $20,000 NQ/Q 5% After the first Policy Year 5% After the first Policy Year 5% After the first Policy Year 5% After the first Policy Year 87.50% of Premium 0.25% 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium s AK, CA, HI, LA, MN, MS, MO, NJ, NY, OR, PA, TX, UT, VT, VA, WA AK, CA, CT, DE, IL, MN, MO, NV, NY, OH, OK, OR, PA, SC, TX, UT, VA, WA 7.00% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Age 80 Nursing & inal Illness Waiver Annual Point to Point spread account is the S&P 500 Daily Risk Control 5% Index ( AKA Volatility Controlled) 12,12,11,11,10,9,8,7,6,5,4,3,2,1 Rider Charge % 10,10,10,10,10,9,8,6,4,2 AK, CA, CT, DE, MN, MO, NV, NY, OR, SC, UT, VA, WA 10,10,10,10,10,9,8,7,6,5,4,3,2,1 Account Description #1 - S&P 500 #2 - DJIA #3 - S&P Midcap 400 #4 - Afternoon London Gold Market #5 - NASDAQ ,10,10,10,10,9,8,7,6,5,4,3,2,1 reductions in OH, OK, UT & VA. Call for details. Great product for Lifetime Income. Applied bonus is for Guaranteed Lifetime Withdrawal Benefit only. Call for rates above $250k Visit 's website Page 4 of 8

5 North American No. Amer. Charter 10 No. Amer. Charter 14 Freedom Choice 8 Freedom Choice 10 Freedom Choice 14 Ages 0-79 NQ/Q Ages 0-75 NQ/Q Ages 0-79 NQ/Q Ages 0-75 NQ/Q A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors 90 Comdex 90 Comdex 90 Comdex 90 Comdex 90 Comdex Daily Avg Cap/Ann Pt-to-Pt Cap Daily Avg Cap/Ann Pt-to-Pt Cap Below $250k/$250k+ Below $250k/$250k+ Below $250k/$250k %/2.00% %/2.10% %/3.15% %/3.50% %/4.55% %/2.00% %/2.00% %/3.00% %/3.40% %/4.45% %/2.00% %/2.00% %/2.85% %/3.20% %/4.20% %/2.00% %/2.00% %/2.95% %/3.35% %/4.35% 5 N/A/2.00% 5 N/A/2.00% %/3.00% %/3.40% %4.40% 1.20% Fixed Account 1.25% Fixed Account 1.40% Fixed Account (1.75% - $250k+) 1.65% Fixed Account (2.00% - $250k+) 2.50% Fixed Account (2.10% $250k+) Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt 1.25% S&P 500 (NASDAQ 1.10%) 1.30% S&P 500(NASDAQ 1.15%) 1.45% S&P 500 (NASDAQ 1.25%) 1.60% S&P 500(NASDAQ 1.50%) 1.95% S&P 500(NASDAQ 1.85%) 5.00% Premium Bonus 8.00% Premium Bonus Rates vary for the state of Texas. Please call to verify Texas rates! Daily Avg/Annual Pt-to-Pt/Mo Pt-to-Pt Annual Point-to-Point/Monthly Point-to-Point/Fixed Account 14 Years 8 Years 14 Years AL, AK, CT, DE, MN, NY, OR, UT, WA 10% Penalty-Free Option $10,000 NQ/$2,000 Q 10% Penalty-Free Option 10% Penalty-Free Option 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 15,14,13,12,11,10,8,6,4,2 AL, AK, CT, DE, MN, NY, OR, UT, WA AL, AK, CT, DE, MN, MT, NV, NY, OR, UT, VT, VA, WA AL, AK, CT, DE, MN, MT, NV, NY, OR, UT, VT, VA, WA 18,18,17,15,15,15,15,14,12,10,8,6,4,2 9,9,8,7,6,5,4,2 9,9,9,9,8,8,7,7,6,6,5,4,3,2 6.50% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % reduction in MN & VA 1& reduction in MN & VA Account Description 1% reduction in Mo #1 - S&P 500 #2 - DJIA #3 - S&P Midcap 400 #4 - Russell 2000 #5 - NASDAQ 100 Visit 's website Page 5 of 8

6 NACOLAH (North American Company of Life and Health) North American Ten Performance Choice 8 Performance Choice 8 Plus Performance Choice 12 Performance Choice 12 Plus Ages 0-79 NQ/Q Ages 0-75 NQ/Q Ages 0-75 NQ/Q A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors 90 Comdex 90 Comdex 90 Comdex 90 Comdex 90 Comdex Ann Pt-to-Pt Cap/MA Cap Ann Pt-to-Pt Cap Ann Pt-to-Pt Cap Ann Pt-to-Pt/Cap Ann Pt-to-Pt/Cap %/2.25% % % % % %/2.15% % % % % %/2.00% % % % % %/2.00% % % % % %/N/A % % % % %/N/A % % % % 1.25% Fixed Account 1.90% Fixed Account 1.25% Fixed Account 1.95% Fixed Account 1.30% Fixed Account Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt Monthly Pt-to-Pt 1.30% S&P 500(NASDAQ 1.15%) 1.85% S&P 500 (NASDAQ 1.70%) 1.35% S&P 500 (NASDAQ 1.15%) 1.90% S&P 500(NASDAQ 1.70%) 1.40% S&P 500(NASDAQ 1.20%) 6.00% Premium Bonus 4.00% Premium Bonus 7.00% Premium Bonus Annual Pt-to-Pt/Mo Pt-to-Pt Annual Pt-to-Pt/Mo Pt-to-Pt 8 Years 8 Years 12 years 12 years $10,000 NQ/$2,000 Q $10,000 NQ/$2,000 Q $10,000 NQ/$2,000 Q 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium 1% - 3%% on 87.50% of Premium AL, AK, CT, DE, MN, NV, NY, OH, OR, TX, UT, WA 18,16,14,12,11,10,8,6,4,2 AK, CT, DE, MN, MO, NV, NY, OR, VA, WA 10,10,10,10,9,8,5,3 18,16,14,12,11,10,8,6,4,2 5.50% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % reduction in MO & VA 1% reduction in SC, TX & UT Account Description #1 - S&P 500 #2 - DJIA #3 - S&P Midcap 400 #4 - Russell 2000 #5 - NASDAQ 100 #6 - DJ EuroSTOXX 50 Bonus recapture on Bonus recapture on Performance Choice 8 Plus Performance Choice 12 Plus 10,10,10,10,9,8,5,3 AK, CT, DE, MN, MO, NV, NY, OR, UT, VA, WA Visit 's website 10,10,10,10,10,9,8,7,6,5,4,2 Page 6 of 8

7 Protective Index Annuity II Protective Life Protective Index Annuity II Protective Index Annuity II Protective Index Annuity II Protective Index Annuity II A+ AM Best A+ AM Best A+ AM Best A+ AM Best A+ AM Best AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors AA- Standard & Poors 88 Comdex 88 Comdex 88 Comdex 88 Comdex 88 Comdex With Principal Protection With Principal Protection Below $100,000 Below $100,000 Below $100,000 Below $100,000 Below $100, % Annual Pt-to-Pt Cap 3.20% Annual Pt-to-Pt Cap 4.50% Annual Pt-to-Pt Cap 3.40% Annual Pt-to-Pt Cap 4.90% Annual Pt-to-Pt Cap 2.60% Perf. Triggered Rate 1.85% Perf. Triggered Rate 2.85% Perf. Triggered Rate 2.00% Perf. Triggered Rate 3.20% Perf. Triggered Rate 1.95% Fixed Account 1.00% Fixed Account 2.10% Fixed Account 1.00% Fixed Account 2.20% Fixed Account $100, % Annual Pt-to-Pt Cap $100, % Perf. Triggered Rate 3.50% Annual Pt-to-Pt Cap 4.80% Annual Pt-to-Pt Cap 3.70% Annual Pt-to-Pt Cap 5.20% Annual Pt-to-Pt Cap 2.10% Fixed Account 2.15% Perf. Triggered Rate 3.15% Perf. Triggered Rate 2.30% Perf. Triggered Rate 3.50% Perf. Triggered Rate 1.00% Fixed Account 2.25% Fixed Account 1.00% Fixed Account 2.35% Fixed Account 4.00% Interest Rate Enhancement on Performance Triggered Account when market is above 15% 5 Years Annual Point-to-Point/All or Nothing/Fixed Account 5 Years 7 Years 7 Years 1.00% on 100% of Premium 1.00% on 100% of Premium 1.00% on 100% of Premium 1.00% on 100% of Premium 1.00% on 100% of Premium CT, DE, NY CT, DE, NY CT, DE, NY CT, DE, NY CT, DE, NY 9,9,8,7,6 9,9,8,7,6 9,9,8,7,6,5,4 9,9,8,7,6,5,4 2.55% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages Visit 's website Page 7 of 8

8 Protective Life Voya (Previuosly ING) Protective Index Annuity II Secure Index Five Secure Index Five Secure Index Seven Secure Index Opp. Plus A+ AM Best A AM Best A AM Best A AM Best A AM Best AA- Standard & Poors A- Standard & Poors A- Standard & Poors A- Standard & Poors A- Standard & Poors 88 Comdex 77 Comdex 77 Comdex 77 Comdex 77 Comdex With Principal Protection $15,000 Band $75,000 Band $15,000 Band $15,000 Band Below $100k 2.00% Ann Pt-to-Pt Cap 3.00% Ann Pt-to-Pt Cap 3.25% Ann Pt-to-Pt Cap 1.50% Ann Pt-to-Pt Cap 3.90% Annual Pt-to-Pt Cap 0.75% 1 Year Monthly Cap 1.35% 1 Year Monthly Cap 1.20% 1 Year Monthly Cap 0.35% 1 Year Monthly Cap 2.45% Perf. Triggered Rate 1.75% Perf. Triggered Rate 2.75% Perf. Triggered Rate 2.50% Perf. Triggered Rate 1.25% Perf. Triggered Rate 1.00% Fixed Account 1.50% Fixed Account 1.50% Fixed Account 2.00% Fixed Account 1.20% Fixed Account 4.20% Annual Pt-to-Pt Cap $15,000 Band (ROP) $75,000 Band (ROP) $75,000 Band $75,000 Band 2.75% Perf. Triggered Rate 1.50% Ann Pt-to-Pt Cap 2.50% Ann Pt-to-Pt Cap 4.25% Ann Pt-to-Pt Cap 2.75% Ann Pt-to-Pt Cap 1.00% Fixed Account 0.65% 1 Year Monthly Cap 1.25% 1 Year Monthly Cap 1.70% 1 Year Monthly Cap 1.00% 1 Year Monthly Cap 4.00% Interest Rate Enhancement on Performance Triggered Account when market is above 15% Annual Pt-to-Pt/All or Nothing/Fixed 1.25% Perf. Triggered Rate 2.25% Perf. Triggered Rate 3.50% Perf. Triggered Rate 2.25% Perf. Triggered Rate 1.25% Fixed Account 1.25% Fixed Account 2.00% Fixed Account 1.20% Fixed Account 5 Years Annual Point-to-Point/Monthly Point-to-Point/Performance Triggered/Fixed 5 Years 7 years $15,000 NQ/Q $15,000 NQ/Q $15,000 NQ/Q $15,000 NQ/Q 1.00% on 100% of Premium CT, DE, NY 1.00% on 87.50% of Premium 1.00% on 87.50% of Premium 1.00% on 87.50% of Premium 2.00% on 87.50% of Premium NY, OR NY, OR NY, OR AK, CT, DE, MN, NJ, NY, OR, WA 8,7.5,6.5,5.5,4.5 8,7.5,6.5,5.5,4.5 10,10,10,10,9,8,7 10,10,10,10,9,8,7,6,5,4 3.94% Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages % Ages Great Return of Premium Product 5% Premium Bonus Visit 's website Page 8 of 8