Fixed Index Annuity. Surrender Charges Last 15 Years. 100% of Premium at 0.00% (GMR/1000 $1,070)

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1 COMPANY / PRODUCT ISSUE AGES MINIMUM PREMIUMS WITHDRAWAL PROVISIONS STATES COMMISSIONS AGE: RATE Surrender Charges Last 15 Years Owner: 73 Single: 5,000 Annuitant: 73 Monthly: 5,000 Owner: 73 Single: 5,000 CT DE NY OR PR TX UT VA VI WA Annuitant: 73 Monthly: 5,000 AVIVA LIFE & ANNUITY (INCOME SERIES) TargetHorizon 15 Withdrawal es: Premium Bonus: 7.00 Withdrawal Charges Low-Band 100% of Premium at 0.00% (GMR/1000 $1,070) 1-Year Point-to-Point S&P 500 S&P 500 Point to Point Annual None Year No Cap Point-to-Point Index S&P GSCI Excess Return Index Point to Point Annual None 2.05 Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 1-Year Monthly Cap S&P 500 Point to Point Annual None 1.95

2 5-Year No Cap Point-to-Point Index S&P GSCI Excess Return Index Point to Point 5-Year None Year Monthly Average S&P 500 Point to Point Annual Monthly Year Point-to-Point Multiple Index Blended Indicies Point to Point Annual None 4.35 Owner: 73 Single: 50,000 Annuitant: 73 Monthly: 50,000 Owner: 73 Single: 50,000 CT DE NY OR PR TX UT VA VI WA Annuitant: 73 Monthly: 50,000 Withdrawal es: Premium Bonus: 8.00 AVIVA LIFE & ANNUITY (INCOME SERIES) TargetHorizon 15 High-Band Withdrawal Charges % of Premium at 0.00% (GMR/1000 $1,080) 1-Year Monthly Cap S&P 500 Point to Point Annual None 1.95 Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 5-Year No Cap Point-to-Point Index S&P GSCI Excess Return Index Point to Point 5-Year None Year No Cap Point-to-Point Index S&P GSCI Excess Return Index Point to Point Annual None Year Point-to-Point Multiple Index Blended Indicies Point to Point Annual None Year Monthly Average S&P 500 Point to Point Annual Monthly 5.10

3 1-Year Point-to-Point S&P 500 S&P 500 Point to Point Annual None 4.30 Surrender Charges Last 10 Years Yes-Unemployment Owner: 80 Single: 20,000 Yes-Flex. Annuity Option Annuitant: 80 Monthly: 20,000 Owner: 80 Single: 20,000 Annuitant: 80 Monthly: 20,000 Yes-Flex. Wthdrl Rider No- Terminal Illness Yes-Death Benefit Rider NY 0-75: : Withdrawal es: ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA Allianz 222 Annuity Ages 0 to 80 in states AR, AZ, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, OK, PR, RI, SD, TN, VA, VI, VT, WI, WV, WY (10 years): Ages 0 to 80 in states AK, AL, CA, CT, DE, IA, IN, KY, MN, MO, MS, MT, NJ, NV, OH, OR, PA, SC, TX, UT, WA (10 years): % of Premium at % (GMR/1000

4 $1,001) 1-Year Blended Annual Point-to-Point Cap Blended Indicies Point to Point Annual Monthly Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum Year Russell 2000 Monthly Sum Cap Russell 2000 Point to Point Annual Monthly Sum Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual 3.75 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.55% 1-Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum Year Nasdaq-100 Annual Point-to-Point Cap Nasdaq 100 Point to Point Annual None Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 4.00 Yes-Unemployment Owner: 80 Single: 20,000 No- Flex. Annuity Option ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA Allianz 360 Annuity Annuitant: 80 Monthly: 20,000 Owner: 80 Single: 20,000 Annuitant: 80 Monthly: 20,000 Yes-Flex. Wthdrl Rider No- Terminal Illness Yes-Death Benefit Rider NY PR VI 0-75: : Withdrawal es: Ages 0 to 80 in states AR, AZ, CO,

5 DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, OK, OR, RI, SD, TN, VA, VT, WI, WV, WY (10 years): Ages 0 to 80 in states AK, AL, CA, CT, DE, IA, IN, KY, MN, MO, MS, MT, NJ, NV, OH, PA, SC, TX, UT, WA (10 years): % of Premium at % (GMR/1000 $1,001) Barclays Dynamic Balance Annuity Point-to- Point Barclay's Dynamic Balance Point to Point Annual None Year Blended Annual Point-to-Point Cap Blended Indicies Point to Point Annual None Year Russell 2000 Monthly Sum Cap Russell 2000 Point to Point Annual Monthly Sum Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum Year Russell 200 Annual Point-to-Point Russell 2000 Point to Point Annual None Year S&P 500 Annual Point-to-Point S&P 500 Point to Annual None

6 Point 1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.25% 1-Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum Year Nasdaq 100 Annual Point-to-Poiont Nasdaq 100 Point to Point Annual None 3.00 Owner: 80 Single: 20,000 No- Flex. Annuity Option ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA Allianz 365i Annuity Annuitant: 80 Monthly: 20,000 Yes-Flex. Wthdrl Rider Owner: 80 Single: 20,000 No- Terminal Illness Annuitant: 80 Monthly: 20,000 Yes-Death Benefit Rider No- Nursing Home NY PR VI Withdrawal es: Prem Bonus: Ages 0 to 80 in states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, OK, RI, SD, TN, VA, VT, WI, WV, WY ( : : 5.00+

7 years): Ages 0 to 80 in states IN, MN, MS, NJ, NV, OH, OR, PA, SC, TX, WA (10 years): For states CT, UT (10 years): % of Premium at % (GMR/1000 $1,104) Barclays Dynamic Balance Annuity Point-to- Point Barclay's Dynamic Balance Point to Point Annual None Year S&P 500 SELECT Annual Point-to-Point Cap S&P 500 Point to Point Annual None Year Russell 2000 Point-to-Point Cap Russell 2000 Point to Point Annual None Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None Year S&P 500 SELECT Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None 3.00

8 1-Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None 1-Year Russell 2000 Monthly Sum Cap Russell 2000 Point to Point Annual Monthly Sum Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.30% Yes-Unemployment Owner: 80 Single: 10,000 Yes-Flex. Annuity Option Annuitant: 80 Monthly: 10,000 Owner: 80 Single: 10,000 Annuitant: 80 Monthly: 10,000 Yes-Flex. Wthdrl Rider No- Terminal Illness Yes-Death Benefit Rider NY PR VI WA 0-75: : ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA Endurance Plus Withdrawal es: Ages 0 to 80 in states AK, AR, AZ, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OK, OR, RI, SC, SD, TN, VA, VT, WI, WV, WY

9 (10 years): Ages 0 to 80 in states AL, CA, DE, IA, IN, KY, MN, MS, OH, TX (10 years): For states CT, NJ, PA, UT (10 years): % of Premium at % (GMR/1000 $1,015) 1 Year Blended Monthly Average Blended Indicies Point to Point Annual Monthly Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None Year S&P 500 SELECT Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.45% 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None Year S&P 500 SELECT Point-to-Point Cap S&P 500 Point to Point Annual None

10 Yes-Unemployment Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Yes-Flex. Wthdrl Rider No- Terminal Illness Yes-Flex. Annuity Option Yes-Death Benefit Rider CA CT FL NV NY OH OR PA PR UT VI WA 0-75: : Withdrawal es: Prem Bonus: Withdrawal Charges ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA MasterDex 10 Plus Annuity 87.5% of Premium at 1.00% (GMR/1000 $1,063) 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.55% 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum 2.00

11 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None 3.50 Owner: 80 Single: 15,000 Yes-Flex. Annuity Option Annuitant: 80 Monthly: 15,000 Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Yes-Flex. Wthdrl Rider No- Terminal Illness Yes-Death Benefit Rider Only FL 65-75: : 5.00 Withdrawal es: Premium Bonus: 2.00 ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA MasterDex 3 Plus Withdrawal Charges % of Premium at 1.55% (GMR/1000 $1,041) 1-Year S&P 500 Monthly Sum S&P 500 Point to Point Annual Monthly Sum 1.70 Blended Index Monthly Averaging Blended Indicies Point to Point Annual Monthly 3.50 FTSE 100 Monthly Sum FTSE 100 Point to Point Annual Monthly Sum 1.80 FTSE 100 Annual Point-to-Point FTSE 100 Point to Point Annual None Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 2.75 Nasdaq 100 Monthly Sum Nasdaq 100 Point to Point Annual Monthly Sum 1.70 Blended Index Annual Point-to-Point Blended Indicies Point to Point Annual Annual 2.75

12 Nasdaq 100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None Year Fixed Interest Option 1-Year Fixed Rate (no bonus) 1.20% Yes-Unemployment Owner: 80 Single: 15,000 No- Flex. Annuity Option Annuitant: 80 Monthly: 15,000 Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Yes-Flex. Wthdrl Rider No- Terminal Illness Yes-Death Benefit Rider NY OR PR VI 0-75: : Withdrawal es: Prem Bonus: ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA MasterDex 5 Plus Annuity Ages 0 to 80 in states AK, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): Ages 0 to 80 in states AL, DE, IA, IN, KY, MN, MS (10 years):

13 Ages 0 to 80 in states CT, NJ, PA, UT, WA (10 years): % of Premium at % (GMR/1000 $1,099) 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.20% 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum 1.70 Yes-Unemployment ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA MasterDex X Annuity Owner: 80 Single: 20,000 Annuitant: 80 Monthly: 20,000 Owner: 80 Single: 20,000 Yes-Flex. Wthdrl Rider Yes-Flex. Annuity Option Yes-Death Benefit Rider CT NY PR VI 0-75: : Annuitant: 80 Monthly: 20,000 No- Terminal Illness

14 Withdrawal es: Premium Bonus: 5.00 Ages 0 to 80 in states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): Ages 0 to 80 in states PA, UT (10 years): Ages 0 to 80 in states IN, MN, MS, OH, OR, WA (10 years): % of Premium at % (GMR/1000 $1,176) 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly Year Euro STOXX 50 Point-to-Point Cap DJ EuroStoxx 50 Point to Point Annual None Year Nasdaq 100 Monthly Cap Nasdaq 100 Point to Point Annual Monthly Sum 1.80

15 1 Year S&P 500 SELECT Annual Point-to-Point Cap S&P 500 Point to Point Annual None Year Euro STOXX 50 Monthly Cap DJ EuroStoxx 50 Point to Point Annual Monthly Sum Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None Year S&P 500 SELECT Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.20% Owner: 78 Single: 5,000 Annuitant: 78 Monthly: 5,000 Owner: 78 Single: 5,000 AK CT DE MN NJ NV NY OH OR PA PR UT VI WA 0-75: : 5.00 AVIVA LIFE & ANNUITY (INCOME SERIES) Income Preferred Bonus Low-Band Annuitant: 78 Monthly: 5,000 Withdrawal es: Premium Bonus: 4.00 For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): For states SC, TX (10 years):

16 87.5% of Premium at 1.00% (GMR/1000 $1,005) 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.00 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.00 Owner: 78 Single: 75,000 Annuitant: 78 Monthly: 75,000 Owner: 78 Single: 75,000 AK CT DE MN NJ NV NY OH OR PA PR UT VI WA 0-75: : 5.00 Annuitant: 78 Monthly: 75,000 AVIVA LIFE & ANNUITY (INCOME SERIES) Withdrawal es: Premium Bonus: 4.00 Income Preferred Bonus High-Band For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): For states SC, TX (10 years): % of Premium at 1.00% (GMR/1000 $1,005)

17 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.25% 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.25 Owner: 78 Single: 5,000 Annuitant: 78 Monthly: 5,000 Yes-Hospitalization Only FL 65-75: : 4.50 Owner: 78 Single: 5,000 AVIVA LIFE & ANNUITY (INCOME SERIES) Income Preferred Bonus Pro Low-Band Annuitant: 78 Monthly: 5,000 Withdrawal es: Premium Bonus: 4.00 Withdrawal Charges % of Premium at 1.00% (GMR/1000 $1,005) 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.00

18 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00% 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 2.00 Owner: 78 Single: 75,000 Annuitant: 78 Monthly: 75,000 Yes-Hospitalization Only FL 65-75: : 4.50 Owner: 78 Single: 75,000 Annuitant: 78 Monthly: 75,000 AVIVA LIFE & ANNUITY (INCOME SERIES) Income Preferred Bonus Pro High-Band Withdrawal es: Premium Bonus: 4.00 Withdrawal Charges % of Premium at 1.00% (GMR/1000 $1,005) 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 2.50 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.25% 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.50 AVIVA LIFE & ANNUITY (INCOME SERIES) Income Preferred Bonus S Owner: 78 Single: 5,000 Annuitant: 78 Monthly: 5,000 Only AK CT MN NV OH UT WA 0-75: : 4.00

19 Low-Band Owner: 78 Single: 5,000 Annuitant: 78 Monthly: 5,000 Withdrawal es: Prem Bonus: For states CT, MN, NV, WA (10 years): For states AK, UT (10 years): For states OH (10 years): For states OH (10 years): % of Premium at 1.00% (GMR/1000 $996) 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual None 1.00 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00% 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None 2.00 AVIVA LIFE & ANNUITY (INCOME SERIES) Income Preferred Bonus S Owner: 78 Single: 75,000 Annuitant: 78 Monthly: 75,000 Only AK CT MN NV OH UT WA 0-75: : 4.00

20 High-Band Owner: 78 Single: 75,000 Annuitant: 78 Monthly: 75,000 Withdrawal es: Prem Bonus: For states CT, MN, NV, WA (10 years): For states AK, UT (10 years): For states OH (10 years): For states OH (10 years): % of Premium at 1.00% (GMR/1000 $996) 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.50 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00% 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual None Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None 2.00 AVIVA LIFE & ANNUITY (INCOME SERIES) Income Preferred Ten Owner: 78 Single: 5,000 Annuitant: 78 Monthly: 5,000 DE NJ NY OH OR PA PR VI 0-75: : 5.50

21 Low-Band Owner: 78 Single: 5,000 Annuitant: 78 Monthly: 5,000 Withdrawal es: Withdrawal Charges % of Premium at 1.00% (GMR/1000 $967) 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.00 Fixed 1-Year Fixed Rate (no bonus) 1.00% Owner: 78 Single: 75,000 AVIVA LIFE & ANNUITY (INCOME SERIES) Income Preferred Ten High-Band Annuitant: 78 Monthly: 75,000 Owner: 78 Single: 75,000 Annuitant: 78 Monthly: 75,000 DE NJ NY OH OR PA PR VI 0-75: : 5.50 Withdrawal es:

22 Withdrawal Charges % of Premium at 1.00% (GMR/1000 $967) 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None 2.50 Fixed 1-Year Fixed Rate (no bonus) 1.10% 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.50 Owner: 78 Single: 5,000 Annuitant: 78 Monthly: 5,000 Only DE OR PA 0-75: : 3.00 Owner: 78 Single: 5,000 AVIVA LIFE & ANNUITY (INCOME SERIES) Income Select Plus S Annuitant: 78 Monthly: 5,000 Withdrawal es: Prem Bonus: Low-Band Withdrawal Charges Withdrawal Charges % of Premium at 2.75% (GMR/1000 $1,205)

23 Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 Owner: 78 Single: 75,000 Annuitant: 78 Monthly: 75,000 Only DE OR PA 0-75: : 3.00 Owner: 78 Single: 75,000 AVIVA LIFE & ANNUITY (INCOME SERIES) Annuitant: 78 Monthly: 75,000 Withdrawal es: Prem Bonus: Income Select Plus S High-Band Withdrawal Charges Withdrawal Charges % of Premium at 2.75% (GMR/1000 $1,205)

24 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None 4.00 Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None 4.00 Owner: 78 Single: 25,000 Annuitant: 78 Monthly: 25,000 Owner: 78 Single: 25,000 HI NJ NY OR PR VI WA 0-74: : 5.00 Annuitant: 78 Monthly: 25,000 AVIVA LIFE & ANNUITY (INCOME SERIES) Lifetime Solutions Annuity Low-Band Withdrawal es: Prem Bonus: For states AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (10 years): For states OH (10 years): % of Premium at 1.00% (GMR/1000 $996)

25 1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum Year Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.05% Owner: 78 Single: 100,000 Annuitant: 78 Monthly: 100,000 Owner: 78 Single: 100,000 HI NJ NY OR PR VI WA 0-74: : 5.00 Annuitant: 78 Monthly: 100,000 Withdrawal es: Prem Bonus: AVIVA LIFE & ANNUITY (INCOME SERIES) Lifetime Solutions Annuity High-Band For states AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (10 years): For states OH (10 years): % of Premium at 1.00% (GMR/1000 $1,005) 1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 1.20

26 1-Year Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.05% 1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None 2.25 Owner: 78 Single: 25,000 Annuitant: 78 Monthly: 25,000 Only AK MN UT Owner: 78 Single: 25,000 Annuitant: 78 Monthly: 25,000 AVIVA LIFE & ANNUITY (INCOME SERIES) Lifetime Solutions Annuity S Low-Band Withdrawal es: Premium Bonus: 7.00 Withdrawal Charges % of Premium at 1.00% (GMR/1000 $1,034) 2-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None 2.25 Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.05% 1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 1.20 AVIVA LIFE & ANNUITY (INCOME SERIES) Lifetime Solutions Annuity Owner: 78 Single: 100,000 Annuitant: 78 Monthly: 100,000 Only AK MN UT

27 S High-Band Owner: 78 Single: 100,000 Annuitant: 78 Monthly: 100,000 Withdrawal es: Premium Bonus: 9.00 Withdrawal Charges % of Premium at 1.00% (GMR/1000 $1,054) 1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None 2.25 Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.05% 2-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 1.20 Owner: 78 Single: 25,000 AVIVA LIFE & ANNUITY (INCOME SERIES) Lifetime Solutions Annuity S2 Annuitant: 78 Monthly: 25,000 Owner: 78 Single: 25,000 Only FL Low-Band Annuitant: 78 Monthly: 25,000 Withdrawal es: Premium Bonus: 3.00

28 Withdrawal Charges % of Premium at 1.00% (GMR/1000 $996) 1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None Year Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.05% Owner: 78 Single: 100,000 AVIVA LIFE & ANNUITY (INCOME SERIES) Lifetime Solutions Annuity S2 High-Band Annuitant: 78 Monthly: 100,000 Annuitant: 78 Monthly: 100,000 Owner: 78 Single: 100,000 Only Withdrawal es: Premium Bonus: 4.00 Withdrawal Charges FL 87.5% of Premium at 1.00% (GMR/1000 $1,005) 1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None 2.25

29 1-Year Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.05% 1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 1.20 Owner: 78 Single: 5,000 Annuitant: 78 Monthly: 5,000 Owner: 78 Single: 5,000 CT DE NY OR PR TX UT VA VI WA Annuitant: 78 Monthly: 5,000 Withdrawal es: Premium Bonus: 3.00 AVIVA LIFE & ANNUITY (INCOME SERIES) TargetHorizon 10 Withdrawal Charges % of Premium at 0.00% (GMR/1000 $1,030) Low-Band 1-Year No Cap Point-to-Point Index S&P GSCI Excess Return Index Point to Point Annual None Fixed Strategy 1-Year Fixed Rate (no bonus) 1.60% 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum Year Point-to-Point S&P 500 S&P 500 Point to Point Annual None Year Point-to-Point Multiple Index Blended Indicies Point to Point Annual None Year Monthly Average S&P 500 Point to Point Annual Monthly Year No Cap Point-to-Point Index S&P GSCI Excess Return Index Point to Point 5-Year None

30 Owner: 78 Single: 50,000 Annuitant: 78 Monthly: 50,000 Owner: 78 Single: 50,000 CT DE NY OR PR TX UT VA VI WA Annuitant: 78 Monthly: 50,000 Withdrawal es: Premium Bonus: 4.00 AVIVA LIFE & ANNUITY (INCOME SERIES) TargetHorizon 10 Withdrawal Charges % of Premium at 0.00% (GMR/1000 $1,040) High-Band 5-Year No Cap Point-to-Point Index S&P GSCI Excess Return Index Point to Point 5-Year None Year Point-to-Point Multiple Index Blended Indicies Point to Point Annual None Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum Year Point-to-Point S&P 500 S&P 500 Point to Point Annual None Fixed Strategy 1-Year Fixed Rate (no bonus) 1.60% 1-Year Monthly Average S&P 500 Point to Point Annual Monthly Year No Cap Point-to-Point Index S&P GSCI Excess Return Index Point to Point Annual None GREAT AMERICAN LIFE INSURANCE COMPANY Owner: 85 Single: 10,000 Yes-Long Term Care NY OR PR VI 18-75: : 3.65+

31 American Valor 10 Annuitant: 85 Monthly: 10,000 Yes-Extended Care Waiver 81-UP: No- Nursing Home Non-Qual Owner: 85 Single: 10,000 Annuitant: 85 Monthly: 10, : : UP: Withdrawal es: Premium Bonus: 2.00 Withdrawal Charges % of Premium at 1.00% (GMR/1000 $1,127) 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly 5.50 Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.00% GREAT AMERICAN LIFE INSURANCE COMPANY Safe Return Owner: 85 Single: 25,000 Annuitant: 85 Monthly: 25,000 Owner: 85 Single: 25,000 Annuitant: 85 Monthly: 25,000 Yes-Extended Care Waiver NY OR PR VI 18-75: : : Non-Qual 0-75: : : 1.50+

32 Withdrawal es: Withdrawal Charges % of Premium at 1.00% (GMR/1000 $1,105) 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly 5.25 Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.10% 1 Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 5.00 ING ANNUITY AND ASSET SALES ING Secure Index Opportunities Plus Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Annuitant: 80 Monthly: 15,000 Owner: 80 Single: 15,000 Yes-Annualization AK CT DE FL LA MD MN MO NJ NV NY OR PR VI WA Withdrawal es: Premium Bonus: : : Low-Band For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, MA, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):

33 For states OH, TX, UT (10 years): % of Premium at 2.00% (GMR/1000 $1,120) Monthly Cap Index Strategy (MCI) S&P 500 Point to Point Annual Monthly Sum 1.00 Performance Trigger Index Strategy S&P 500 Point to Point Annual None 2.00 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Point-to-Point Cap Index Strategy (PCI) S&P 500 Point to Point Annual None 2.50 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None ING ANNUITY AND ASSET SALES ING Secure Index Opportunities Plus Owner: 80 Single: 75,000 Annuitant: 80 Monthly: 75,000 Annuitant: 80 Monthly: 75,000 Owner: 80 Single: 75,000 Yes-Annualization AK CT DE FL LA MD MN MO NJ NV NY OR PR VI WA Withdrawal es: Premium Bonus: : : High-Band For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, MA, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years):

34 For states OH, TX, UT (10 years): % of Premium at 2.00% (GMR/1000 $1,120) Point-to-Point Cap Index Strategy (PCI) S&P 500 Point to Point Annual None 3.25 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Performance Trigger Index Strategy S&P 500 Point to Point Annual None 2.75 Monthly Cap Index Strategy (MCI) S&P 500 Point to Point Annual Monthly Sum 1.40 ING ANNUITY AND ASSET SALES ING Secure Index Opportunities Plus (FL) Low-Band Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Annuitant: 80 Monthly: 15,000 Owner: 80 Single: 15,000 Yes-Annualization Only Withdrawal es: Premium Bonus: 5.00 Withdrawal Charges FL 0-75: : % of Premium at 2.00% (GMR/1000 $1,120)

35 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 2.50 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Performance Trigger Index Strategy S&P 500 Point to Point Annual None 2.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.00 Owner: 80 Single: 75,000 Annuitant: 80 Monthly: 75,000 Only FL 0-75: : Owner: 80 Single: 75,000 Yes-Annualization Annuitant: 80 Monthly: 75,000 ING ANNUITY AND ASSET SALES Withdrawal es: Premium Bonus: 5.00 ING Secure Index Opportunities Plus (FL) High-Band Withdrawal Charges % of Premium at 2.00% (GMR/1000 $1,120) Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.40 Performance Trigger Index Strategy S&P 500 Point to Point Annual None 2.75 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 3.25

36 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Owner: 80 Single: 15,000 Yes-Annualization Only LA MD MN MO NJ NV OR WA 0-75: : Annuitant: 80 Monthly: 15,000 ING ANNUITY AND ASSET SALES ING Secure Index Opportunities Plus (LA, MD, MN, MO, NJ, NV, OR, WA) Withdrawal es: Withdrawal Charges % of Premium at 2.00% (GMR/1000 $1,067) Low-Band Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 2.50 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Performance Trigger Index Strategy S&P 500 Point to Point Annual None 2.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.00 ING ANNUITY AND ASSET SALES Owner: 80 Single: 75,000 Only LA MD MN MO NJ 0-75: : 4.73+

37 ING Secure Index Opportunities Plus (LA, MD, MN, MO, NJ, NV, OR, WA) Annuitant: 80 Monthly: 75,000 Owner: 80 Single: 75,000 Yes-Annualization NV OR WA High-Band Annuitant: 80 Monthly: 75,000 Withdrawal es: Withdrawal Charges % of Premium at 2.00% (GMR/1000 $1,067) Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.40 Performance Trigger Index Strategy S&P 500 Point to Point Annual None 2.75 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 3.25 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None ING ANNUITY AND ASSET SALES ING Secure Index Outlook Annuity Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Yes-Extended Care Waiver Only AK CT DE 0-75: : Low-Band Owner: 80 Single: 15,000 No- Nursing Home Yes-Annualization Annuitant: 80 Monthly: 15,000

38 Withdrawal es: Premium Bonus: 3.00 Withdrawal Charges Withdrawal Charges % of Premium at 2.00% (GMR/1000 $1,099) Performance Trigger Index Strategy S&P 500 Point to Point Annual None 2.00 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 2.50 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.00 ING ANNUITY AND ASSET SALES ING Secure Index Outlook Annuity High-Band Owner: 80 Single: 75,000 Annuitant: 80 Monthly: 75,000 Annuitant: 80 Monthly: 75,000 Yes-Extended Care Waiver Owner: 80 Single: 75,000 No- Nursing Home Yes-Annualization Only AK CT DE Withdrawal es: Premium Bonus: : : Withdrawal Charges

39 Withdrawal Charges % of Premium at 2.00% (GMR/1000 $1,099) Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Performance Trigger Index Strategy S&P 500 Point to Point Annual None 2.75 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.40 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 3.25 Owner: 80 Single: 5,000 Annuitant: 80 Monthly: 5,000 Owner: 80 Single: 2,000 AK MN NY OR UT 0-74: : : LINCOLN FINANCIAL GROUP Lincoln OptiPoint 10 Low-Band Annuitant: 80 Monthly: 2,000 Withdrawal es: Premium Bonus: 3.00 Withdrawal Charges % of Premium at 1.80% (GMR/1000 $1,077)

40 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 5.00 Fixed Account 1-Year Fixed Rate (no bonus) 1.10% Performance Triggered Indexed Account S&P 500 Perf Trig Annual None 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum 2.00 Owner: 80 Single: 100,000 Annuitant: 80 Monthly: 100,000 Owner: 80 Single: 100,000 AK MN NY OR UT 0-74: : : Annuitant: 80 Monthly: 100,000 Withdrawal es: Premium Bonus: 4.00 LINCOLN FINANCIAL GROUP Lincoln OptiPoint 10 High-Band Withdrawal Charges % of Premium at 1.80% (GMR/1000 $1,088) Performance Triggered Indexed Account S&P 500 Perf Trig Annual None 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 5.00 Fixed Account 1-Year Fixed Rate (no bonus) 1.10% 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum 2.00

41 Surrender Charges Last 9 Years Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15, : ING ANNUITY AND ASSET SALES ING Lifetime Income Annuity Low-Band Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Withdrawal es: Withdrawal Charges 9 No- Nursing Home No- Terminal Illness CT NJ NY OR PR VI WA Rate Changed: 08/28/13 90% of Premium at 1.00% (GMR/1000 $984) Next Change : TBD Annual Index Increase Method S&P 500 Point to Point Annual None 6.00 GTD Owner: 80 Single: 74,999 ING ANNUITY AND ASSET SALES ING Lifetime Income Annuity Annuitant: 80 Monthly: 74,999 Owner: 80 Single: 74,999 No- Nursing Home No- Terminal Illness CT NJ NY OR PR VI WA 0-75: High-Band Annuitant: 80 Monthly: 74,999 Withdrawal es:

42 Withdrawal Charges Rate Changed: 08/28/13 90% of Premium at 1.00% (GMR/1000 $984) Next Change : TBD Annual Index Increase Method S&P 500 Point to Point Annual None 6.00 GTD Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Yes-Extended Care Waiver NY PR VI 0-75: : Owner: 80 Single: 10,000 No- Nursing Home Annuitant: 80 Monthly: 10,000 ING ANNUITY AND ASSET SALES Withdrawal es: ING Envoy Nine Fixed Index Annuity Low-Band For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (9 years): Ages 0 to 55 in states AK, DE, MN, NJ, NV, OH, PA, TX, UT, WA (9 years): Age 56+ in states AK, DE, MN, NJ, NV, OH, PA, TX, UT,

43 WA (9 years): For states OR (9 years): For states CT (9 years): % of Premium at 1.00% (GMR/1000 $957) 1-Year Point-to-Point Cap Index Strategy Blended Indicies Point to Point Annual None 3.00 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.75% Owner: 80 Single: 75,000 Annuitant: 80 Monthly: 75,000 Yes-Extended Care Waiver NY PR VI 0-75: : ING ANNUITY AND ASSET SALES Owner: 80 Single: 75,000 Annuitant: 80 Monthly: 75,000 No- Nursing Home ING Envoy Nine Fixed Index Annuity Withdrawal es: High-Band For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (9 years):

44 Ages 0 to 55 in states AK, DE, MN, NJ, NV, OH, PA, TX, UT, WA (9 years): Age 56+ in states AK, DE, MN, NJ, NV, OH, PA, TX, UT, WA (9 years): For states OR (9 years): For states CT (9 years): % of Premium at 1.00% (GMR/1000 $957) Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.75% 1-Year Point-to-Point Cap Index Strategy Blended Indicies Point to Point Annual None 3.75 LINCOLN FINANCIAL GROUP Lincoln OptiChoice 9 Owner: 80 Single: 5,000 Annuitant: 80 Monthly: 5,000 Owner: 80 Single: 2,000 NY 0-74: : : Low-Band Annuitant: 80 Monthly: 2,000 Withdrawal es: Withdrawal Charges

45 87.5% of Premium at 1.90% (GMR/1000 $1,037) Performance Triggered S&P 500 Perf Trig Annual None 1-Year Monthly Average S&P 500 Point to Point Annual Monthly 6.40 Fixed Account 1-Year Fixed Rate (no bonus) 1.20% 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.25 Owner: 80 Single: 100,000 Annuitant: 80 Monthly: 100,000 Owner: 80 Single: 100,000 NY 0-74: : : Annuitant: 80 Monthly: 100,000 LINCOLN FINANCIAL GROUP Withdrawal es: Lincoln OptiChoice 9 High-Band Withdrawal Charges % of Premium at 1.90% (GMR/1000 $1,037) Performance Triggered S&P 500 Perf Trig Annual None 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.40

46 Fixed Account 1-Year Fixed Rate (no bonus) 1.35% 1-Year Monthly Average S&P 500 Point to Point Annual Monthly 5.85 Surrender Charges Last 8 Years Owner: 85 Single: 10,000 Annuitant: 85 Monthly: 10,000 Owner: 85 Single: 10,000 Yes-Annualization NY 0-75: : : Annuitant: 85 Monthly: 10,000 LINCOLN FINANCIAL GROUP Withdrawal es: Lincoln New Directions 8 Low-Band Withdrawal Charges % of Premium at 1.95% (GMR/1000 $1,021) 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 6.35 Fixed Account 1-Year Fixed Rate (no bonus) 1.50% Performance Triggered Indexed Account S&P 500 Perf Trig Annual None LINCOLN FINANCIAL GROUP Lincoln New Directions 8 High-Band Owner: 85 Single: 100,000 Annuitant: 85 Monthly: 100,000 NY 0-75: : : 2.25+

47 Owner: 85 Single: 100,000 Annuitant: 85 Monthly: 100,000 Yes-Annualization Withdrawal es: Withdrawal Charges % of Premium at 1.95% (GMR/1000 $1,021) 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 7.10 Fixed Account 1-Year Fixed Rate (no bonus) 1.65% Performance Triggered Indexed Account S&P 500 Perf Trig Annual None LINCOLN FINANCIAL GROUP Lincoln OptiPoint 8 Low-Band Owner: 85 Single: 5,000 Annuitant: 85 Monthly: 5,000 Annuitant: 85 Monthly: 2,000 Owner: 85 Single: 2,000 AK MN NY OR UT Withdrawal es: Premium Bonus: : : : : Withdrawal Charges

48 87.5% of Premium at 1.95% (GMR/1000 $1,042) 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 5.00 Fixed Account 1-Year Fixed Rate (no bonus) 1.05% Performance Triggered Indexed Account S&P 500 Perf Trig Annual None 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum 1.90 Owner: 85 Single: 100,000 Annuitant: 85 Monthly: 100,000 AK MN NY OR UT 0-74: : : : Owner: 85 Single: 100,000 Annuitant: 85 Monthly: 100,000 LINCOLN FINANCIAL GROUP Lincoln OptiPoint 8 High-Band Withdrawal es: Premium Bonus: 3.00 Withdrawal Charges % of Premium at 1.95% (GMR/1000 $1,052) Performance Triggered Indexed Account S&P 500 Perf Trig Annual None 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 5.00

49 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum 1.90 Fixed Account 1-Year Fixed Rate (no bonus) 1.05% Surrender Charges Last 7 Years Owner: 81 Single: 5,000 Annuitant: 81 Monthly: 5,000 Owner: 81 Single: 5,000 Only DE NJ OR PA 0-75: : : 1.75 Annuitant: 81 Monthly: 5,000 Withdrawal es: AVIVA LIFE & ANNUITY (INCOME SERIES) Income Select 7 Low-Band Withdrawal Charges % of Premium at 2.75% (GMR/1000 $1,058) 1-Year DJ EUROSTOXX 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None Year S&P500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 1-Year S&P500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None Year S&P500 Point-to-Point S&P 500 Point to Point Annual None 4.00

50 Fixed 1-Year Fixed Rate (no bonus) 2.00% Owner: 81 Single: 75,000 Annuitant: 81 Monthly: 75,000 Owner: 81 Single: 75,000 Only DE NJ OR PA 0-75: : : 1.75 Annuitant: 81 Monthly: 75,000 Withdrawal es: AVIVA LIFE & ANNUITY (INCOME SERIES) Income Select 7 High-Band Withdrawal Charges % of Premium at 2.75% (GMR/1000 $1,058) 1 Year S&P500 Point-to-Point S&P 500 Point to Point Annual None Year S&P500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.60 Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year DJ EUROSTOXX 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None Year S&P500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 GREAT AMERICAN LIFE INSURANCE COMPANY Owner: 85 Single: 10,000 NY OR PR VI 18-75: : 3.25+

51 American Legend II Annuitant: 85 Monthly: 10, : Yes-Extended Care Waiver Non-Qual Owner: 85 Single: 10,000 Annuitant: 85 Monthly: 10,000 No- Nursing Home 0-75: : : Withdrawal es: Ages 0 to 57 in states AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, WY (7 years): Ages 58 to 85 in states AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY (7 years): Ages 0 to 85 in states TX (7 years): % of Premium at 1.00% (GMR/1000 $1,072)

52 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly Year S&P 500 Monthly Sum S&P 500 Point to Point Annual Monthly Sum Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 6.00 Declared Rate Strategy 1-Year Fixed Rate (no bonus) 2.00% Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Owner: 80 Single: 15,000 Yes-Extended Care Waiver No- Nursing Home Yes-Annualization FL IL LA MD MN MO NJ NV NY OR PA PR VI VT WA 0-75: : Annuitant: 80 Monthly: 15,000 ING ANNUITY AND ASSET SALES ING Secure Index Seven Low-Band Withdrawal es: For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IN, KS, KY, MA, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, RI, SC, SD, TN, VA, WI, WV, WY (7 years): Age 56+ in states AK, DE, OH, TX, UT (7 years): For states CT (7 years): Ages 0 to 55 in states AK, DE, OH, TX, UT (7 years):

53 87.5% of Premium at 1.00% (GMR/1000 $938) Monthly Cap Index Strategy (MCI) S&P 500 Point to Point Annual Monthly Sum 1.30 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 2.00% Performance Trigger Index Strategy S&P 500 Point to Point Annual None 4.30 Point-to-Point Cap Index Strategy (PCI) S&P 500 Point to Point Annual None 5.00 Owner: 80 Single: 75,000 Annuitant: 80 Monthly: 75,000 Owner: 80 Single: 75,000 Yes-Extended Care Waiver No- Nursing Home Yes-Annualization FL IL LA MD MN MO NJ NV NY OR PA PR VI VT WA 0-75: : ING ANNUITY AND ASSET SALES ING Secure Index Seven Annuitant: 80 Monthly: 75,000 Withdrawal es: High-Band For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IN, KS, KY, MA, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, RI, SC, SD, TN, VA, WI, WV, WY (7 years): Age 56+ in states AK, DE, OH, TX, UT (7 years):

54 For states CT (7 years): Ages 0 to 55 in states AK, DE, OH, TX, UT (7 years): % of Premium at 1.00% (GMR/1000 $938) Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 2.00% Performance Trigger Index Strategy S&P 500 Point to Point Annual None 4.75 Monthly Cap Index Strategy (MCI) S&P 500 Point to Point Annual Monthly Sum 1.70 Point-to-Point Cap Index Strategy (PCI) S&P 500 Point to Point Annual None 6.00 Owner: 80 Single: 15,000 ING ANNUITY AND ASSET SALES Annuitant: 80 Monthly: 15,000 Owner: 80 Single: 15,000 No- Nursing Home Yes-Annualization Only FL 0-75: : ING Secure Index Seven (FL) Annuitant: 80 Monthly: 15,000 Low-Band Withdrawal es: Withdrawal Charges % of Premium at 1.00% (GMR/1000 $938)

55 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.30 Performance Trigger Index Strategy S&P 500 Point to Point Annual None 4.30 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 2.00% Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 5.00 Owner: 80 Single: 75,000 Annuitant: 80 Monthly: 75,000 Only FL 0-75: : Owner: 80 Single: 75,000 No- Nursing Home Yes-Annualization ING ANNUITY AND ASSET SALES Annuitant: 80 Monthly: 75,000 ING Secure Index Seven (FL) High-Band Withdrawal es: Withdrawal Charges % of Premium at 1.00% (GMR/1000 $938) Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None 10.00

56 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 2.00% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 6.00 Performance Trigger Index Strategy S&P 500 Point to Point Annual None 4.75 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.70 Owner: 80 Single: 15,000 Annuitant: 80 Monthly: 15,000 Owner: 80 Single: 15,000 Yes-Extended Care Waiver No- Nursing Home Yes-Annualization Only IL LA MD MN MO NJ NV OR PA VT WA 0-75: : Annuitant: 80 Monthly: 15,000 ING ANNUITY AND ASSET SALES ING Secure Index Seven (IL, LA, MD, MN, MO, NJ, OR, PA, WA, VT, NV) Low-Band Withdrawal es: Ages 0 to 55 (7 years): Age 56+ (7 years): Withdrawal Charges % of Premium at 1.00% (GMR/1000 $938) Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 2.00% Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.30 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 5.00

57 Performance Trigger Index Strategy S&P 500 Point to Point Annual None 4.30 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Owner: 80 Single: 75,000 Annuitant: 80 Monthly: 75,000 Owner: 80 Single: 75,000 Yes-Extended Care Waiver No- Nursing Home Yes-Annualization Only IL LA MD MN MO NJ NV OR PA VT WA 0-75: : Annuitant: 80 Monthly: 75,000 Withdrawal es: ING ANNUITY AND ASSET SALES ING Secure Index Seven (IL, LA, MD, MN, MO, NJ, OR, PA, WA, VT, NV) Ages 0 to 55 (7 years): Age 56+ (7 years): Withdrawal Charges High-Band 87.5% of Premium at 1.00% (GMR/1000 $938) Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.70 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 2.00% Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None Performance Trigger Index Strategy S&P 500 Point to Point Annual None 4.75 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 6.00

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