AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY S RIDIN THE AMERICAN DREAM PROMOTION

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1 AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY S RIDIN THE AMERICAN DREAM PROMOTION 1. ELIGIBILITY: American Equity Investment Life Insurance Company s Ridin the American Dream Promotion ( Promotion ) is only open to residents of forty-nine states of the United States and the District of Columbia (Promotion not available to New York Residents, void in Puerto Rico, all U.S. Territories and possessions and all overseas military installations) who are deemed to be Eligible Participants (as defined below). All employees and directors of American Equity Investment Life Insurance Company (the Company ) and its parent corporation, subsidiaries, affiliates, prize providers or contractors (all of the foregoing, together with the Company collectively, Promotion Entities ) and their immediate family members (spouse, parent, child, sibling, parents-inlaw, siblings-in-law, stepparent, stepchild, and their respective spouses) and those living in the same household of each (whether legally related or not), are ineligible to win any Prize (as defined below) resulting from this Promotion. All applicable federal, state and local laws and regulations apply. Void where prohibited by law. Entry in the Promotion constitutes your full and unconditional acceptance of these official rules ( Official Rules ). 2. PROMOTION PERIOD: The Promotion Period begins at 8:00 a.m., Central Standard Time on April 1, 2013 and ends at 1:00 p.m. Central Standard Time on August 30, 2013 ( Promotion Period ). Winners will be selected from eligible entries submitted for the Promotion. 3. PROMOTION ENTRY INSTRUCTIONS: There is one way to enter this Promotion: Eligible Participants are automatically entered to win if they meet the below requirements unless they alert the Company, by mail, that they do not wish to take part in the Promotion. Entries to the promotion are automatically generated by the Company when an Eligible Participant submits annuity contract premium to the Company. For every $25,000 of annuity premium received by the Company, the eligible participant shall receive one (1) entry in the drawing. The amount of premium received by the Company used to determine the number of drawing entries to be provided to an Eligible Participant shall be calculated in the aggregate. There are premium payments which do not entitle persons to valid entries even though received by the Company: (1) internal transfers from one Company contract to another Company contract; (2) paid premium for SPDA- MYGA contracts; (3) paid premium for SPIA contracts; and (4) any paid premium for traditional life insurance contracts issued by the Company. Additional premium submitted and received by the Company on already existing contracts, which meets the above criteria, will be treated as new premium for the purposes of this Promotion; additional premium need not be received during the first contract year to qualify for entry. Premium must be received forty-eight (48) hours in advance of a Prize drawing in

2 order for an Eligible Participant to obtain an eligible entry for the immediately following drawing and all subsequent drawings. All registered Gold Eagle Producer Forum Attendees (guest excluded) at the Company s Gold Eagle Producer Forum, held from March 17, 2013 through March 19, 2013 in Las Vegas, Nevada, will receive 10 complementary entries. 4. PUBLICITY: As a condition of entry into this Promotion, except where prohibited by law, each Prize Winner, by accepting the Prize, grants to the Promotion Entities a perpetual, worldwide, royalty-free license and right to publicize, broadcast, display and/or otherwise use the Prize Winner s name, city, state and biographical material (collectively, Licensed Rights ), in any media now known or hereafter devised, throughout the world in perpetuity for advertising and publicity purposes, without additional review, compensation, permission or approval. 5. SELECTION OF PROMOTION WINNERS: Thirty (30) potential Prize Winners will be selected in a random drawing to be held every other week during the Promotion Period. The random drawings will be held on a bi-weekly schedule. The first drawing will be held during the week of April 29, 2013 and the last drawing will be held during the week of September 2, A total of ten (10) drawings will be performed by the Company. These dates are subject to change, based on the Company s sole discretion. However, the Company anticipates that the drawings will be held on Fridays during the drawing week. Eligible Participant s shall be notified of any change to these dates by a posting to the Company website dedicated to this Promotion. It is the Eligible Participant s sole responsibility to remain informed of these drawing dates. Three (3) potential Prize Winners will be selected at each drawing. If an Eligible Participant s name should not be drawn as a potential Prize Winner at a previous drawing, all entries provided to the Eligible Participant shall remain eligible for all subsequent drawings. The potential Prize Winners will be selected from all eligible entries received during the Promotion Period. Odds of winning will depend on the number of eligible entries received during the Promotion Period. The potential Prize Winners will be notified of their winnings by a telephone call, to the phone number the potential Prize Winner has previously provided to the Company, within ten (10) days of the conclusion of the drawing. Prize Winners will also be announced via webcast. Potential Prize Winners are eligible to receive only one Prize in total during the duration of the Promotion Period. If a potential Prize Winner s name is drawn at a subsequent date, after having previously been declared a potential Prize Winner, that drawing will be deemed null and void and another name will be drawn at random. The drawing will be conducted by the Company whose decision on all matters relating to the Promotion shall be final and binding. At the sole discretion of the Company, disqualification, forfeiture and the selection of an alternate winner may result from any of the following: (1) a potential Prize Winner s

3 failure to respond to notification promptly after its transmission; (2) a potential Prize Winner s failure to provide the Company with satisfactory proof of age, identity and residency; (3) a potential Prize Winner s failure to validly claim the prize within 30 days after being notified by the Company of the potential Prize Winner s selection; and (4) any other non-compliance with the Official Rules. In the event of a Prize forfeiture, the Company may, in its sole discretion, award or not award the forfeited Prize to an alternate winner. If the Company determines to award the Prize to an alternate winner the alternate winner will be determined in the same way as a Prize Winner. 6. ELIGIBLE PARTICIPANTS: Eligible Participants are those persons who: (1) have reached the age of majority, as defined by the Participant s state of residence, as of the date the Promotion begins; (2) maintain an active insurance license as issued by the applicable governing body; (3) are contracted with the Company to sell the Company s products; (4) are compliant with all of the Company s rules, policies, guidelines and operating procedures, including but not limited to the terms of the Eligible Participant s Agent s Contract, at all times during the Promotion Period and subsequent Prize Award Period (as defined below). If an agent s National Marketing Organization has elected not to participate in the Promotion then the agent will not be eligible for this Promotion and will not receive notice of this Promotion from the Company. 7. PRIZE: Thirty (30) Prizes will be awarded in this Promotion. Each prize will consist of: one (1) 2013 Heritage Softail Classic Harley-Davidson Motorcycle paid and arranged for by the Company and to be shipped to the Prize Winner by December 1, 2013; and (2) a check for $2,000, which may be used for upgrades, accessories, or applicable taxes, fees, or licensing. The Approximate Total Retail Value of the Prize is $20,876. Prizes are not redeemable for cash or transferable, except Prizes are transferable to a surviving spouse residing in the same household. No substitution shall be allowed except, at the Company s sole discretion, a prize of equal or greater value may be substituted so long as the Prize Winner agrees to pay the difference between the original Prize and the substituted prize. The Prizes will be awarded, provided they are validly claimed within 30 days of the Company s notice to the potential Prize Winner that Participant has been selected as a potential Prize Winner, after which no alternate winners will be selected, nor unclaimed prizes awarded. All taxes, licenses and fees on the Prizes, if any, and other expenses related to accepting and/or using the Prizes not listed in these Official Rules are the sole responsibility of each Winner who will receive an IRS Form 1099 reflecting the final actual Total Retail Value of the Prizes, if applicable. The Prizes will only be shipped to addresses in the United States and not to any U.S. Territories, possessions, or any overseas military installations.

4 8. GENERAL RULES: By entering or participating in the Promotion, participants agree to be bound by these Official Rules and by the decisions of the Company, which are final and binding in all respects. Promotion Entities are not responsible for: (1) any incorrect or inaccurate information or technical failures of any kind; (2) unauthorized human intervention in any part of the entry process or the Promotion; or (3) any other computer, network, technical, human or other error, problem or malfunction that may occur in connection with the administration of the Promotion, the processing of entries, or the selection or notification of winners. Further, if, for any reason, the Promotion is not capable of running as planned for reasons outside the control of the Company which, in the sole opinion of the Company, may corrupt or affect the administration, security, fairness, integrity or proper conduct of the Promotion (or any portion thereof), the Company reserves the right, at its sole discretion, to cancel, terminate, modify or suspend the Promotion (or any portion thereof). In the event of such cancellation, termination, modification or suspension, the Company will select Prize Winners from all eligible, nonsuspect entries received prior to such action. The Company also reserves the right, at its sole discretion, to disqualify the entry of any individual found to be (a) tampering or attempting to tamper with the entry process or the operation of the Promotion or any website operated by the Promotion Entities; (b) violating these Official Rules or the terms of the Agent s Contract to which the Eligible Participants are bound; or (c) acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten, or harass any other person. Promotion entities are not responsible for claims, injuries, losses, or damages of any kind resulting, in whole or in part, directly or indirectly, from the awarding, delivery, acceptance, use, misuse, possession, loss or misdirection of the prize; participation in this Promotion; or in any activity or travel related thereto. Promotion Entities make no warranties, and hereby disclaim any and all warranties, express or implied, concerning any Prize furnished in connection with this Promotion. PARTICIPANT OBLIGATIONS: Except where prohibited, by entering, each Participant agrees to defend, indemnify, release and hold harmless Promotion Entities from and against any and all losses, demands, damages, rights, claims, injuries, actions and liabilities arising out of or related to (1) entrant s participation in the Promotion or (2) entrant s participation in any prize-related activities (including, without limitation, any property loss, damage, personal injury or death caused to any person(s)). Prize Winners assume all liability for any injury, death, or damage caused, or allegedly caused, in whole or in part, by participating in this Promotion or receipt, use or redemption of the prize. No punitive, incidental, special, consequential or other damages, including without limitation, lost profits may be awarded (collectively, Special Damages ) and each Participant hereby waives all rights to claim Special Damages and all rights to have such damages multiplied or increased. Iowa law, without reference to choice of law rules,

5 governs the Promotion and all aspects related thereto. Any and all controversies, claims, causes of action, or disputes arising out of or connected with this Promotion or any prize awarded, or not awarded, shall be resolved individually, without resort to any form of class action, and are to be settled by binding arbitration in the State of Iowa or any other location mutually agreeable to the Company and complainant. The arbitration shall be conducted on a confidential basis pursuant to the Commercial Arbitration Rules of the American Arbitration Association, including information provided to the Arbitrator by the parties. Any decision or award as a result of any such arbitration proceeding shall be in writing and shall provide an explanation for all conclusions of law and fact and shall include the assessment of any applicable costs. Any such arbitration shall be conducted by an arbitrator experienced in commercial and contract law and shall include a written record of the arbitration hearing. The parties reserve the right to object to any individual who shall be employed by or affiliated with a competing organization or entity. Any such award shall remain confidential between the parties upon such award s determination. If any party should challenge or appeal the decision of the arbitrator(s), any such challenge or appeal shall have exclusive jurisdiction in the state or federal courts situated in Polk County, IA. The Company s failure to enforce any term of these rules shall not constitute a waiver of that provision. In any cause of action, the Promotion Entities combined liability will be limited to the value the Company paid for the Prize, and in no event shall the Promotion Entities be liable for attorneys fees and/or experts fees and costs. By participating in the Promotion, each entrant waives the right to claim any additional damages whatsoever, including, but not limited to any Special Damages. 9. PERSONAL INFORMATION: The personal information collected through this Promotion is subject to the Company s Privacy Policy. By entering this Promotion, you agree to the use of your personal information as described in the above Privacy Policy unless otherwise provided in the Publicity section of these Official Rules. 10. OFFICIAL RULES/WINNERS LIST REQUESTS: To obtain a copy of these Official Rules or for notification of the Winner(s), send a self-addressed stamped envelope to the American Equity Investment Life Insurance Company s Ridin The American Dream Promotion, Official Rules/Winners List Request, 6000 Westown Parkway, West Des Moines, IA Requests for winners lists must be received no later than three months after the end of the Promotion Period ( Prize Award Period ). VT residents may omit return postage.

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