SPDA AND FPDA ANNUITY RATE INFO As of 09/14/10 or date of change noted Contract Length

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1 Current Rate (1 st Year Bonus) AEY for MYG Last Change Allianz Dominator Plus 5yr 25-99k Allianz Dominator Plus 5yr 100k Allianz Dominator Plus 10yr 25-99k Allianz Dominator Plus 10yr 100k Allianz Dominator Select 1yr >99k Allianz Dominator Select 1yr 100k Allianz Dominator Select 2yr >99k Allianz Dominator Select 2yr 100k Allianz Dominator Select 3yr >99k Allianz Dominator Select 3yr 100k Allianz Dominator Plus Annuity Rates differ in the state of NY American General Horizon Achiever American General Horizon Choice 9yr American General Horizon Choice 10yr American General Horizon Flex (2.00) American General Horizon MYG (4.00) American General Horizon Plus (6.00) American General Horizon Secure 5yr American General Horizon Secure 7yr American General Horizon Select 5yr American General Horizon Select 7yr American General Horizon Select 10yr American Investors Spirit American Investors Spirit 3 75k American Investors Spirit American Investors Spirit 5 75k American Investors Spirit American Investors Spirit 7 75k American Investors Spirit Bonus American Investors Spirit Bonus 75k American Investors Spirit Plus American Investors Spirit Plus 75k American National Citadel Diamond (1.00) American National If premium 100k (1.00) American National Citadel Diamond (2.00) American National If premium 100k (2.00) American National Palladium Advisor (1.00) American National Palladium MYG 5* (1.00) American National If premium 100k (1.00) American National Palladium MYG 6* American National If premium 100k American National Palladium MYG 7* (1.00) American National If premium 100k (1.00) American National Palladium MYG 8* American National If premium 100k American National Palladium MYG 9* (2.00) American National If premium 100k (2.00) American National Palladium MYG 10* (1.00) American National If premium 100k (1.00)

2 Current Rate (1 st Year Bonus) AEY for MYG Last Change Genworth Life Liberty 1yr - <$100k (1.50) Genworth Life Liberty 1yr - $100 $249k (2.00) Genworth Life Liberty 1yr - $250k (2.50) Genworth Life Liberty 3yr - <$100k for 3 yrs (.50) Genworth Life Liberty 3yr - $100 $249k for 3 yrs (.65) Genworth Life Liberty 3yr - $250k for 3 yrs (.75) Genworth Life Liberty 5yr - <$100k for 5 yrs (.25) Genworth Life Liberty 5yr - $100 $249k for 5 yrs (.40) Genworth Life Liberty 5yr - $250k for 5 yrs (.50) Liberty includes a 5yr guarantee in Yr 1 Rate column with 6yr surrender product, AEY reflects 6 th yr renewing at bailout rate, rates differ in NY Genworth Life Rate Saver 5yr $25-99k Genworth Life Rate Saver 5yr $ k Genworth Life Rate Saver 5yr $250k Genworth Life Rate Saver 7yr $25-99k Genworth Life Rate Saver 7yr $ k Genworth Life Rate Saver 7yr $250k Genworth Life Secure Living Ind. <$ (.50) Genworth Life Secure Living Ind. - $50-99k (1.00) Genworth Life Secure Living Ind. - $100k (1.50) Genworth Life Smart Rate 1yr <$ (1.00) Genworth Life Smart Rate 1yr - $50-99k (1.50) Genworth Life Smart Rate 1yr - $100k (2.00) Genworth Life Smart Rate 3yr <$ (0.50) Genworth Life Smart Rate 3yr - $50-99k (0.60) Genworth Life Smart Rate 3yr - $100k (0.70) Genworth Life Smart Rate 5yr <$ (0.30) Genworth Life Smart Rate 5yr - $50-99k (0.40) Genworth Life Smart Rate 5yr - $100k (0.50) Smart Rate includes a 1, 3, or 5 year rate guarantee period based on a 7yr surrender schedule Genworth Life TLC Annuity <$150k Genworth Life TLC Annuity 150k $299k Genworth Life TLC Annuity $300k Great American Stars and Stripes $5-99K (0.25) Great American Stars and Stripes $100K (0.25) Stars and Stripes base rate increases 10bps each year. ING Reliastar Quintaflex Qualified (1.50) ING Reliastar Quintaflex Non-qual (1.50) ING USA Guar Choice 7 yr ING USA Guar Choice 7 yr - $75K (1.00) ING USA Guar Choice 10 yr ING USA Guar Choice 10 yr-$75k (1.00) Integrity Life Momentum Advantage (0.75) Integrity Life Momentum Advantage (0.75) Integrity Life Momentum Advantage (0.75) Integrity Life Momentum Advantage (0.75) Integrity Life New Momentum QIO Integrity Life New Momentum 2yr (0.75) Integrity Life New Momentum 3yr (0.75) Integrity Life New Momentum 5yr (0.75) Integrity Life New Momentum 6yr (0.75) Integrity Life New Momentum 7yr (0.75) Integrity Life New Momentum 10yr (0.75) Integrity Life *SPDA Series II 1yr Integrity Life *SPDA Series II 3yr (1.00) Integrity Life *SPDA Series II 5yr (1.00) Integrity Life *SPDA Series II 7yr Commissions normally reduced at older ages - Call your CPS Annuities associate today for details

3 Current Rate (1 st Year) AEY for MYG Last Change Lafayette Life Horizon 08 3/ (1.00) Lafayette Life Horizon 08 5/ Lafayette Life Horizon 08 5/ ^Liberty Life of Boston Freedom 1 $5-9k (3.00) ^Liberty Life of Boston Freedom 1 $10-99k (3.00) ^Liberty Life of Boston Freedom 1 $100k (3.00) ^Liberty Life of Boston Freedom 5 $5-10k (3.00) ^Liberty Life of Boston Freedom 5 $10-99k (3.00) ^Liberty Life of Boston Freedom 5 $100k (3.00) ^Freedom 5 first year rate bonus decreased 1.0% by adding the return of principal rider Lincoln Benefit Life Sure Horizon II 1 yr (1.00) Lincoln Benefit Life $100k (1.00) Lincoln Benefit Life Sure Horizon II 3 yr (1.00) Lincoln Benefit Life $100k (1.00) Lincoln Benefit Life Sure Horizon II 6 yr (1.00) Lincoln Benefit Life $100k (1.00) Lincoln Benefit Life Tac. Plus 5 Year Lincoln Benefit Life Tac. Plus 6 Year Lincoln Benefit Life Tac. Plus 7 Year Lincoln Benefit Life Tac. Plus 8 Year Lincoln Benefit Life Tac. Plus 9 Year Lincoln Benefit Life Tac. Plus 10 Year #Tactician Plus rates in TX are reduced 10 basis points Lincoln Benefit Life Treasury Link Lincoln Financial Classic (1.00) Lincoln Financial Classic 5 $100k (2.00) Lincoln Financial Classic (2.00) Lincoln Financial Classic 7 $100k (3.00) Lincoln Financial MYGuarantee 3yr Lincoln Financial MYGuarantee 3yr $100k Lincoln Financial MYGuarantee 4yr Lincoln Financial MYGuarantee 4yr $100k Lincoln Financial MYGuarantee 5yr Lincoln Financial MYGuarantee 5yr $100k Lincoln Financial MYGuarantee 6yr Lincoln Financial MYGuarantee 6yr $100k Lincoln Financial MYGuarantee 7yr Lincoln Financial MYGuarantee 7yr $100k Lincoln Financial MYGuarantee 8yr Lincoln Financial MYGuarantee 8yr $100k Lincoln Financial MYGuarantee 9yr Lincoln Financial MYGuarantee 9yr $100k Lincoln Financial MYGuarantee 10yr Lincoln Financial MYGuarantee 10yr $100k North American Guarantee Choice 3yr North American Guarantee Choice 3yr 200k North American Guarantee Choice 4yr North American Guarantee Choice 4yr 200k North American Guarantee Choice 5yr North American Guarantee Choice 5yr 200k # Lincoln Benefit Life Tactician Plus rates reduced.10% in TX

4 Current Rate (1 st Year Bonus) AEY for MYG Last Change North American Guarantee Choice 6yr North American Guarantee Choice 6yr 200k North American Guarantee Choice 7yr North American Guarantee Choice 7yr 200k North American Guarantee Choice 8yr North American Guarantee Choice 8yr 200k North American Guarantee Choice 9yr North American Guarantee Choice 9yr 200k North American Guarantee Choice 10yr North American Guarantee Choice 10yr 200k Principal Life FPDA Plus 1 yr Guar (1.70 base Prem. Bonus) Principal Life FPDA Plus - $100K (1.70 base Prem. Bonus) Principal Life FPDA Plus 5 yr Guar Principal Life FPDA Plus 7 yr Guar Principal Life Guaranteed Annuity 1 yr <100k (1.20 base Prem. Bonus) Principal Life Guaranteed Annuity 1 yr >100k (1.20 base Prem. Bonus) Principal Life Guaranteed Annuity 3 yr Principal Life Guaranteed Annuity 5 yr Principal Life Secure Fixed Annuity Principal Life Secure Fixed Annuity Principal Life Select Series 3 yr Principal Life Select Series 3 yr 100K RBC Insurance 7 MYG (1.00) RBC Insurance Value Master Reliance Standard Apollo MVA (0.50) Reliance Standard Eleos MVA (0.75) The Standard Focus Growth 5 $15-99K The Standard Focus Growth 5 $100K The Standard Focus Growth 6 $15-99K The Standard Focus Growth 6 $100K State Life Annuity Care State Life Legacy Care Keyport Value 5yr (rate escalates by.10% Keyport Value 5yr $50k (rate escalates by.10% Keyport Value 5yr Bonus Option (1.00) Keyport Value 5yr Bonus Option $50k (1.00) Keyport Value 6yr (rate escalates by.10% Keyport Value 6yr $50k (rate escalates by.10% Commissions normally reduced at older ages - Call your CPS Annuities associate today for details

5 Keyport Value 6yr Bonus Option Keyport Value 6yr Bonus Option $50k+ Keyport Value 7yr Keyport Value 7yr $50k+ Keyport Value 7yr Bonus Option Keyport Value 7yr Bonus Option $50k+ 6 6 Current Rate (1 st Year) AEY for MYG Last Change 2.60 (1.00) (1.00) (rate escalates by.10% (rate escalates by.10% (1.00) (1.00) Transamerica Select 4yr Transamerica Select 4yr $100k Transamerica Select 5yr Transamerica Select 5yr 100k Transamerica Select 6yr Transamerica Select 6yr 100k Transamerica Select 7yr Transamerica Select 7yr $100k Transamerica Select 8yr Transamerica Select 8yr $100k United of Omaha Living Care Annuity United of Omaha Ultra-Secure Plus 5 <99k (1.00) United of Omaha Ultra-Secure Plus 5 100k (1.00) United of Omaha Ultra-Secure Plus 7 <99k United of Omaha Ultra-Secure Plus 7 100k Product is Ultra-Secure in CA, CT, DE, NJ, NY, AND OR. Rates may differ. Contact CPS or See Upcoming Rate Changes on our website for more details. West Coast Life Sure Advantage 5yr West Coast Life Sure Advantage 5yr $100K (1.65 base + 1.0% Prem. Bonus) West Coast Life Sure Advantage 6yr West Coast Life Sure Advantage 6yr $100K (2.00 base + 1.0% Prem West Coast Life Sure Advantage 7yr West Coast Life Sure Advantage 7yr $100K (2.30 base + 1.0% Prem West Coast Life Sure Advantage 8yr West Coast Life Sure Advantage 8yr $100K (2.55 base + 1.0% Prem West Coast Life Sure Advantage 9yr West Coast Life Sure Advantage 9yr $100K (2.70 base + 1.0% Prem West Coast Life Sure Advantage 10yr West Coast Life Sure Advantage 10yr $100K (2.85 base + 1.0% Prem Commissions normally reduced at older ages - Call your CPS Annuities associate today for details

6 SINGLE PREMIUM IMMEDIATE ANNUITY In addition to fixed and indexed deferred annuities CPS Insurance also offers a wide range of Single Premium Immediate Annuity (SPIA) carriers. SPIA s can provide income that cannot be outlived and some carriers will offer higher payouts to clients in substandard health. In addition, some SPIA s offer liquidity options, trail commissions and can be used to shield assets from MEDICAID/MEDICAL. Company AM BEST S&P Comdex Assets Allianz A AA Billion American General A A Billion American National A AA Billion Genworth A A Billion Great American A A Billion ING USA A A Billion Integrity Life A+ AA Billion John Hancock A+ AA Billion Lafayette Life A+ AA Billion Lincoln Benefit Life A+ AA Billion Lincoln Financial A+ AA Billion North American A+ A Billion Penn Mutual A+ AA Billion Principal Life A+ AA Billion RBC Insurance A A Billion Reliance Standard A A Billion Standard Life A AA Billion Assurance A+ AA Billion Transamerica A AA Billion United of Omaha A+ AA Billion West Coast Life A+ AA Billion

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