Fixed Indexed Annuity Rates

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Company / Minimum Issue Ages Product Premiums Surrender Charges Last 15 Years Life of the Southwest SecurePlus Accumulator 5 Life of the Southwest SecurePlus Platinum (after 3/21/06) Fixed Indexed Annuity Rates Withdrawal Provisions States Commissions Age: Rate Non- Non- Single: 15,000 Monthly: 15,000 0-70: 7.00+ AK AL CT GA IL 71-75: 6.00+ MN NJ NY OR 76-80: 4.00+ Single: 15,000 No- Special Enhanced Life Income Options PA PR UT VI Monthly: 15,000 No- Terminal Illness WA Withdrawal es: Premium Bonus: 5.00 Withdrawal Charges 15 years: 14 14 13 12 11 10 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 87.5% of Premium at 2.45% (GMR/1000 $1,321) Declared Interest Account 1-Year Fixed Rate with Bonus 2.45% +5.00 Bonus Ending Index Account S&P 500 Point to Point Annual None 100 5.00 Average Index Account S&P 500 Point to Point Annual Monthly 40.00 Non- Surrender Charges Last 12 Years Non- Single: 5,000 Monthly: 5,000 Single: 3,000 Monthly: 3,000 AK CT NJ NY No- Special Enhanced Life Income Options OR PR VI WA No- Terminal Illness Withdrawal Charges 15 years: 14 14 13 12 11 10 9 8 7 6 5 4 3 2 1 0-70: 10.00 71-74: 9.00 75-UP: 8.00 Guaranteed Minimum Value: 87.5% of Premium at 2.45% (GMR/1000 $1,258) Average Index Account S&P 500 Point to Point Annual Daily 40 100.00 Ending Index Account S&P 500 Point to Point Annual None 100 5.00 Declared Interest Account 1-Year Fixed Rate (no bonus) 2.25%

Great American Life Insurance Company American Valor II Life of the Southwest SecurePlus Elite Life of the Non- Non- Yes-Extended Care Waiver No- Nursing Home Only DE HI Withdrawal es: Prem Bonus: 3.00-5.00 Age 58+ (10 years): 10 9 8 7 6 5 4 3 2 1 Ages 0 to 57 (12 years): 12 11 10 9 8 7 6 5 4 3 2 1 18-75: 6.00+ 76-80: 4.50+ 81-85: 2.50+ Non-Qual 0-75: 6.00+ 76-80: 4.50+ 81-UP: 2.50+ Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,183) Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.00% 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 3.25 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly 3.50 Non- Owner: Annuitant: Owner: 70 Annuitant: 70 Non- Single: 3,000 Monthly: 3,000 Single: 3,000 Monthly: 3,000 CT IL MA ME MN NJ NY OR No- Special Enhanced Life Income Options PA PR UT VI No- Nursing Home WA WY Withdrawal Charges 12 years: 12 11 10 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 90% of Premium at 1.95% (GMR/1000 $1,135) Declared Interest Account 1-Year Fixed Rate (no bonus) 1.85% Ending Index Account S&P 500 Point to Point Annual None 4.00 Average Index Account S&P 500 Point to Point Annual Daily 30 Non- Non-

Southwest SecurePlus Elite 5 403(b) & 457 Life of the Southwest SecurePlus Premier 8 Owner: Single: 1 Annuitant: Monthly: 1 CT IL IN KY MA MD ME MO MT Owner: 55 Single: 3,000 No- Special Enhanced Life Income Options NH NJ NY OR Annuitant: 55 Monthly: 3,000 No- Nursing Home PA PR TX VI VT WA WY Withdrawal Charges 12 years: 12 11 10 9 8 7 6 5 4 3 2 1 Withdrawal Charges 12 years: 10 9 8 7 6 5 4 3 2 1 1 1 Guaranteed Minimum Value: 90% of Premium at 1.95% (GMR/1000 $1,135) Declared Interest Account 1-Year Fixed Rate (no bonus) 2.15% 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 4.50 1 Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 4.50 Non- Non- 0-75: 8.00+ Yes-Long Term Care 76-80: 5.00+ CT IN MT NJ NV 81-85: 4.00+ No- Special Enhanced Life Income Options NY OR PR UT VI WA Withdrawal es: Premium Bonus: 3.00 Withdrawal Charges 12 years: 10 10 10 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 90% of Premium at 1.95% (GMR/1000 $1,169) Declared Fixed Account 1-Year Fixed Rate (no bonus) 1.95% S&P 500 Ending Index Rate Option 1 S&P 500 Point to Point Annual None 100 3.00 S&P 500 Ending Index Rate Option 2 S&P 500 Point to Point Annual None 50 3.10 1-Year S&P 500 Average S&P 500 Point to Point Annual Daily 30 Russell 2000 Ending Index Rate Option 1 Russell 2000 Point to Point Annual None 100 3.00 Russell 2000 Ending Index Rate Option 2 Russell 2000 Point to Point Annual None 50 3.10

Surrender Charges Last 10 Years Series) Income Preferred Ultra High-Band Non- Non- Owner: 78 Single: 75,000 Annuitant: 78 Monthly: 75,000 0-75: 7.50+ AK CT DE MN 76-78: 5.50+ NJ NY OR PA PR Owner: 78 Single: 75,000 UT VI WA Annuitant: 78 Monthly: 75,000 Withdrawal es: Premium Bonus: 3.00 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, NV, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (0 years): For states TX (0 years): For states SC (0 years): Rate Changed: 09/16/11 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $996) Next Change : TBD Fixed Strategy 1-Year Fixed Rate with Bonus 1.60% +5.00 Bonus Non- Non- Owner: 78 Single: 5,000 Series) Annuitant: 78 Monthly: 5,000 0-75: 7.50+ Income Preferred AK CT DE MN 76-78: 5.50+ Ultra NJ NY OR PA PR Owner: 78 Single: 5,000 UT VI WA Annuitant: 78 Monthly: 5,000 Withdrawal es: Premium Bonus: 3.00 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, NV, OH, OK, RI, SD, Rate Changed: 09/16/11

Allianz Life Insurance Company of North America Allianz 360 Annuity 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 (9 years): For states NV, SC, TX (10 years): 13.3 12.7 11.4 10 8.6 7.2 5.8 4.4 2.9 1.4 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $996) Next Change : TBD Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus Non- Non- Single: 20,000 Monthly: 20,000 Single: 20,000 Monthly: 20,000 0-75: 7.00 CA IA MN NJ 76-80: 5.00 NY PA PR TX VI WA Yes-Unemployment No- Flex. Annuity Option Yes-Flex. Wthdrl Rider Yes-Death Benefit Rider No- Terminal Illness For states AK, AR, AZ, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): For states AL, CT, DE, IN, KY, MO, MS, MT, NV, OH, OR, SC, UT (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91 Guaranteed Minimum Value: 87.5% of Premium at 1.00-1.35% (GMR/1000 $1,001) 1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.80% 1-Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum 2.00

Allianz Life Insurance Company of North America Endurance Plus 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 150 3.50 1-Year Eurostoxx 50 Annual Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 3.75 1-Year Eurostoxx 50 Monthly Sum Cap DJ EuroStoxx 50 Point to Point Annual Monthly Sum 2.10 1-Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly 4.50 1-Year Nasdaq 100 Annual Point-to-Poiont Nasdaq 100 Point to Point Annual None 3.50 1-Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum 2.00 1-Year Blended Annual Point-to-Point Cap Blended Indicies Point to Point Annual None 3.75 Non- Non- Yes-Flex. Annuity Option Yes-Flex. Wthdrl Rider NY PR VI WA Yes-Death Benefit Rider No- Terminal Illness For 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, OH, OK, OR, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): For states AL, CA, DE, IA, IN, KY, MN, MS, TX (10 years): For states CT, NJ, PA, UT (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91 10 9 8 7 6 5 4 3 2 1 0-75: 8.00+ 76-80: 5.00+ Guaranteed Minimum Value: 90% of Premium at 1.50% (GMR/1000 $1,044) Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% Blended Point-to-Point Blended Indicies Point to Point Annual None 3.50 FTSE 100 Monthly Sum FTSE 100 Point to Point Annual Monthly Sum 2.10 S&P 500 Monthly Sum S&P 500 Point to Point Annual Monthly Sum 2.00

Allianz Life Insurance Company of North America MasterDex 10 Allianz Life Insurance Company of North America MasterDex 10 Plus Annuity S&P 500 Point-to-Point S&P 500 Point to Point Annual None 3.25 Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 3.25 Nasdaq 100 Monthly Sum Nasdaq 100 Point to Point Annual Monthly Sum 2.10 Blended Monthly Average Blended Indicies Point to Point Annual Monthly 4.50 FTSE 100 Point-to-Point FTSE 100 Point to Point Annual None 3.75 Non- Non- Single: 5,000 Monthly: 5,000 Single: 2,000 Monthly: 2,000 Yes-Flex. Annuity Option Only No- Flex. Wthdrl Rider CA CT PA Yes-Death Benefit Rider No- Terminal Illness Withdrawal es: Prem Bonus: 10.00 Withdrawal Charges 10 years: Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $1,063) 0-75: 9.00+ 76-85: 7.00+ Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.30% 1-Year SP 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum 2.10 1-Year Nasdaq-100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum 2.10 Non- Non- Single: 15,000 Monthly: 15,000 Single: 15,000 Monthly: 15,000 Yes-Flex. Annuity Option CA CT NY OR Yes-Flex. Wthdrl Rider PA PR UT VI Yes-Death Benefit Rider WA No- Terminal Illness Withdrawal es: Prem Bonus: 10.00 Withdrawal Charges 10 years: Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $1,063) 0-75: 8.00+ 76-80: 5.00+ Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.30%

Allianz Life Insurance Company of North America MasterDex 5 Plus Annuity 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None 4.75 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly 4.50 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum 2.30 1 Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum 2.20 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None 4.75 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None 4.75 1 Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum 2.20 1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None 5.25 Non- Non- Single: 15,000 Monthly: 15,000 Single: 15,000 Monthly: 15,000 Yes-Flex. Annuity Option Yes-Flex. Wthdrl Rider NY OR PR VI Yes-Death Benefit Rider No- Terminal Illness Withdrawal es: Prem Bonus: 3.00-5.00 For 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): For states AL, DE, IA, IN, KY, MS (10 years): For states CT, MN, NJ, PA, UT, WA (10 years): 15 15 15 15 12.86 10.71 8.57 6.43 4.29 2.14 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91 10 9 8 7 6 5 4 3 2 1 0-75: 7.00+ 76-80: 5.00+ Guaranteed Minimum Value: 87.5% of Premium at 2.00% (GMR/1000 $1,120) 1 Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum 1.70 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None 3.00 1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None 3.00 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum 1.80

Allianz Life Insurance Company of North America MasterDex X Annuity 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None 3.00 1 Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum 1.70 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None 3.00 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly 4.50 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.50% Non- Non- Single: 20,000 Monthly: 20,000 Single: 20,000 Monthly: 20,000 Yes-Flex. Annuity Option Yes-Flex. Wthdrl Rider CT NY PA PR VI Yes-Death Benefit Rider WA No- Terminal Illness Withdrawal es: Premium Bonus: 7.00 For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): For states PA, UT (10 years): For states MN, MS (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 10 9 8 7 6 5 4 3 2 1 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91 0-75: 7.00+ 76-80: 5.00+ Guaranteed Minimum Value: 87.5% of Premium at 2.25% (GMR/1000 $1,170) Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.60% 1 Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.80 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None 3.00 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None 3.25 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly 4.50 1 Year Euro STOXX 50 Point-to-Point Cap DJ EuroStoxx 50 Point to Point Annual None 3.25

Series) Income Preferred Bonus 1 Year Euro STOXX 50 Monthly Cap DJ EuroStoxx 50 Point to Point Annual Monthly Sum 1.90 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None 3.00 1 Year Nasdaq 100 Monthly Cap Nasdaq 100 Point to Point Annual Monthly Sum 1.80 Non- Non- Owner: 78 Single: 5,000 Annuitant: 78 Monthly: 5,000 0-75: 7.00+ AK CT DE MN 76-78: 5.00+ NJ NY OR PA PR Owner: 78 Single: 5,000 UT VI WA Annuitant: 78 Monthly: 5,000 Withdrawal es: Premium Bonus: 6.00 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, NV, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (0 years): For states SC, TX (0 years): For states MN (0 years): 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, NV, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): For states SC, TX (10 years): 12 12 12 11 10 9 8 7 6 4 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $1,025) Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00% 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.15 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None 2.00

Series) Income Preferred Bonus High-Band Series) Income Preferred Bonus Pro 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.00 Non- Non- Owner: 78 Single: 75,000 Annuitant: 78 Monthly: 75,000 0-75: 7.00+ AK CT DE MN 76-78: 5.00+ NJ NY OR PA PR Owner: 78 Single: 75,000 UT VI WA Annuitant: 78 Monthly: 75,000 Withdrawal es: Premium Bonus: 6.00 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, NV, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (0 years): For states SC, TX (0 years): For states MN (0 years): Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $1,025) Fixed Strategy 1-Year Fixed Rate (no bonus) 1.70% 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 3.50 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None 3.50 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.70 Non- Owner: 78 Annuitant: 78 Owner: 78 Annuitant: 78 Non- Single: 5,000 Monthly: 5,000 Single: 5,000 Monthly: 5,000 Only Yes-Hospitalization FL Withdrawal es: Premium Bonus: 6.00 Withdrawal Charges 10 years: 10 10 10 10 10 9 8 7 6 4 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $1,025) 65-75: 6.50+ 76-78: 4.50+ Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00% 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.00 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.15 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 2.00

Series) Income Preferred Bonus Pro High-Band Series) Income Preferred Bonus S Series) Income Preferred Non- Owner: 78 Annuitant: 78 Owner: 78 Annuitant: 78 Non- Single: 75,000 Monthly: 75,000 Single: 75,000 Monthly: 75,000 Only Yes-Hospitalization FL Withdrawal es: Premium Bonus: 6.00 Withdrawal Charges 10 years: 10 10 10 10 10 9 8 7 6 4 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $1,025) 65-75: 6.50+ 76-78: 4.50+ Fixed Strategy 1-Year Fixed Rate (no bonus) 1.70% 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 3.50 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 3.50 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.70 Non- Owner: 78 Annuitant: 78 Owner: 78 Annuitant: 78 Non- Single: 5,000 Monthly: 5,000 Single: 5,000 Monthly: 5,000 Only AK CT MN UT Withdrawal es: Premium Bonus: 3.00 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states UT (10 years): 13.3 12.7 11.4 10 8.6 7.2 5.8 4.4 2.9 1.4 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $996) 0-75: 6.00+ 76-78: 4.00+ 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 2.00 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual None 1.15 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.00 Non- Owner: 78 Annuitant: 78 Non- Single: 75,000 Monthly: 75,000 Only 0-75: 6.00+ 76-78: 4.00+

Bonus S High-Band Series) Income Preferred Ten Owner: 78 Annuitant: 78 Single: 75,000 Monthly: 75,000 Withdrawal es: Premium Bonus: 3.00 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states UT (10 years): 13.3 12.7 11.4 10 8.6 7.2 5.8 4.4 2.9 1.4 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $996) Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00% 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 3.50 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual None 1.70 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None 2.00 Non- Non- Owner: 78 Single: 5,000 Annuitant: 78 Monthly: 5,000 0-75: 7.50+ 76-78: 5.50+ DE NJ NY OR Owner: 78 Single: 5,000 PA PR VI WA Annuitant: 78 Monthly: 5,000 For states AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (10 years): For states AK, MN (10 years): 10 9 8 7 6 5 4 3 2 1 9.6 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $967) Fixed 1-Year Fixed Rate (no bonus) 1.00% 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.00

Series) Income Preferred Ten High-Band Series) Income Select 10 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.15 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None 2.00 Non- Non- Owner: 78 Single: 75,000 Annuitant: 78 Monthly: 75,000 0-75: 7.50+ 76-78: 5.50+ DE NJ NY OR Owner: 78 Single: 75,000 PA PR VI WA Annuitant: 78 Monthly: 75,000 For states AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (10 years): For states AK, MN (10 years): 10 9 8 7 6 5 4 3 2 1 9.6 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $967) Fixed 1-Year Fixed Rate (no bonus) 1.55% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None 3.50 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.70 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 3.50 Non- Non- Owner: 78 Single: 5,000 Only Annuitant: 78 Monthly: 5,000 AK DE MN NJ Owner: 78 Single: 5,000 OR PA WA Annuitant: 78 Monthly: 5,000 Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 0-75: 6.50+ 76-78: 4.50+

Series) Income Select 10 Guaranteed Minimum Value: 87.5% of Premium at 2.75% (GMR/1000 $1,148) Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None 4.00 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.15 1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None 4.00 1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None 4.00 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 Non- Non- Owner: 78 Single: 75,000 Only Annuitant: 78 Monthly: 75,000 AK DE MN NJ Owner: 78 Single: 75,000 OR PA WA Annuitant: 78 Monthly: 75,000 Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 0-75: 6.50+ 76-78: 4.50+ Guaranteed Minimum Value: 87.5% of Premium at 2.75% (GMR/1000 $1,148) High-Band 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None 4.00 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.70 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None 4.00 1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None 4.00 Series) Income Select Plus Non- Owner: 78 Annuitant: 78 Owner: 78 Annuitant: 78 Non- Single: 5,000 Monthly: 5,000 Single: 5,000 Monthly: 5,000 Only AK Withdrawal es: Premium Bonus: 3.00 Withdrawal Charges 10 years: 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5 Guaranteed Minimum Value: 87.5% of Premium at 2.75% (GMR/1000 $1,182) 0-75: 6.50+ 76-78: 4.50+

Series) Income Select Plus 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 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None 4.00 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None 4.00 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.15 Non- Owner: 78 Annuitant: 78 Owner: 78 Annuitant: 78 Non- Single: 75,000 Monthly: 75,000 Single: 75,000 Monthly: 75,000 Only AK Withdrawal es: Premium Bonus: 3.00 Withdrawal Charges 10 years: 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5 Guaranteed Minimum Value: 87.5% of Premium at 2.75% (GMR/1000 $1,182) 0-75: 6.50+ 76-78: 4.50+ High-Band 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.70 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None 4.75 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 Fixed 1-Year Fixed Rate (no bonus) 2.00% 1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None 4.00 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None 4.00 Series) Income Select Plus S Non- Non- Owner: 78 Single: 5,000 Only Annuitant: 78 Monthly: 5,000 DE MN OR PA Owner: 78 Single: 5,000 WA Annuitant: 78 Monthly: 5,000 Withdrawal es: Prem Bonus: 3.00-5.00 0-75: 5.00+ 76-78: 3.00+ For states CT, DE, MN, NJ, OR, PA, SC, VA, WA (10 10 9 8 7 6 5 4 3 2 1

Series) Income Select Plus S High-Band Series) For states AK, UT (10 years): 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3 Guaranteed Minimum Value: 87.5% of Premium at 2.75% (GMR/1000 $1,205) Fixed 1-Year Fixed Rate (no bonus) 2.00% 1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None 4.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None 4.00 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.15 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None 4.00 Non- Non- Owner: 78 Single: 75,000 Only Annuitant: 78 Monthly: 75,000 0-75: 5.00+ 76-78: 3.00+ DE MN OR PA Owner: 78 Single: 75,000 WA Annuitant: 78 Monthly: 75,000 Withdrawal es: Prem Bonus: 3.00-5.00 For states CT, DE, MN, NJ, OR, PA, SC, VA, WA (10 years): For states AK, UT (10 years): 10 9 8 7 6 5 4 3 2 1 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3 Guaranteed Minimum Value: 87.5% of Premium at 2.75% (GMR/1000 $1,205) Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.70 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None 4.00 1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None 4.00 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None 4.00 Non- Owner: 78 Annuitant: 78 Non- Single: 25,000 Monthly: 25,000 0-74: 7.00 75-78: 5.00

Lifetime Solutions Annuity MN NJ NV NY Owner: 78 Single: 25,000 OR PA PR SC TX Annuitant: 78 Monthly: 25,000 VA VI WA For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, ME, MI, 12 MO, MS, MT, NC, ND, NE, 12 12 11 10 9 8 7 6 4 NH, NM, OK, RI, SD, TN, VT, WI, WV (10 years): For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $967) 1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None 3.25 1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 1.65 2-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 2.00 Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.50% Non- Non- Owner: 78 Single: 100,000 Series) Annuitant: 78 Monthly: 100,000 DE FL HI MD 0-74: 7.00 Lifetime MN NJ NV NY 75-78: 5.00 Solutions Owner: 78 Single: 100,000 OR PA PR SC TX Annuity Annuitant: 78 Monthly: 100,000 VA VI WA High-Band Withdrawal es: Prem Bonus: 5.00-8.00 For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OK, RI, SD, TN, 12 12 12 11 10 9 8 7 6 4

Series) Lifetime Solutions Annuity S For states AK, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1 For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, ME, MI, 12 MO, MS, MT, NC, ND, NE, 12 12 11 10 9 8 7 6 4 NH, NM, OK, RI, SD, TN, VT, WI, WV (10 years): For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.3 1.1 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $1,044) Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.50% 1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None 3.25 1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 1.65 2-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 2.00 Non- Owner: 78 Annuitant: 78 Owner: 78 Annuitant: 78 Non- Single: 25,000 Monthly: 25,000 Single: 25,000 Monthly: 25,000 Only AK MN UT Withdrawal es: Premium Bonus: 7.00 Withdrawal Charges 10 years: 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $1,034) Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.50% 1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None 3.25 1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 1.65 2-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 2.00 Non- Owner: 78 Non- Single: 100,000 Only

Annuitant: 78 Owner: 78 Annuitant: 78 Monthly: 100,000 Single: 100,000 Monthly: 100,000 AK MN UT Series) Withdrawal es: Premium Bonus: 9.00 Lifetime Withdrawal Charges 10 years: 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1 Solutions Annuity S Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $1,054) High-Band Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.50% 1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 1.65 2-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum 2.00 1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None 3.25 Great American Life Insurance Company American Valor 10 Great American Life Insurance Company Non- Non- Yes-Extended Care Waiver No- Nursing Home Yes-Long Term Care DE HI NY PR Withdrawal es: Premium Bonus: 2.00 Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 18-75: 6.00+ 76-80: 4.50+ 81-UP: 2.50+ Non-Qual 0-75: 6.00+ 76-80: 4.50+ 81-UP: 2.50+ Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,127) Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.40% 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 3.50 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly 3.50 Non- Non- Single: 25,000 Monthly: 25,000 18-75: 6.50+

Safe Return ING Annuity and Asset Sales ING Secure Index Opportunities Plus Single: 25,000 Monthly: 25,000 Yes-Extended Care Waiver Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,105) 81-85: 2.50+ Non-Qual 0-75: 6.50+ 76-80: 5.50+ 81-85: 2.50+ 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 4.00 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly 4.00 Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.10% Non- Non- Single: 15,000 Monthly: 15,000 0-80: 7.00+ AK CT DE MN NJ NY OR PR VI Single: 15,000 WA Monthly: 15,000 Withdrawal es: Premium Bonus: 5.00 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, NV, OH, OK, PA, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years): For states TX, UT (10 years): 10 10 10 10 9 8 7 6 5 4 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1 Guaranteed Minimum Value: 87.5% of Premium at 2.00% (GMR/1000 $1,120) Point-to-Point Cap 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 1.10

ING Annuity and Asset Sales ING Secure Index Opportunities Plus High-Band ING Annuity and Asset Sales ING Secure Index Outlook Annuity Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None 10.00 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Non- Non- Single: 75,000 Monthly: 75,000 0-80: 7.00+ AK CT DE MN NJ NY OR PR VI Single: 75,000 WA Monthly: 75,000 Withdrawal es: Premium Bonus: 5.00 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, NV, OH, OK, PA, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years): For states TX, UT (10 years): 10 10 10 10 9 8 7 6 5 4 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1 Guaranteed Minimum Value: 87.5% of Premium at 2.00% (GMR/1000 $1,120) Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.50 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 3.50 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None 10.00 Non- Non- Single: 15,000 Only Monthly: 15,000 AK CT DE MN Single: 15,000 Yes-Extended Care Waiver NJ WA Monthly: 15,000 No- Nursing Home Withdrawal es: Premium Bonus: 3.00 0-80: 6.00+ For states AK, CT, DE, NJ, 10 9 8 7 6 5 4 3 2 1

ING Annuity and Asset Sales ING Secure Index Outlook Annuity High-Band Life of the Southwest SecurePlus Elite 3 403(b) & 457 For states MN (9 years): 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 87.5% of Premium at 2.00% (GMR/1000 $1,099) 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 2.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.10 Non- Non- Single: 75,000 Only Monthly: 75,000 AK CT DE MN Single: 75,000 Yes-Extended Care Waiver NJ WA Monthly: 75,000 No- Nursing Home Withdrawal es: Premium Bonus: 3.00 For states AK, CT, DE, NJ, WA (10 years): 10 9 8 7 6 5 4 3 2 1 For states MN (9 years): 9 8 7 6 5 4 3 2 1 0-80: 6.00+ Guaranteed Minimum Value: 87.5% of Premium at 2.00% (GMR/1000 $1,099) 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 3.50 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.50 Non- Owner: Annuitant: Owner: 57 Annuitant: 57 Non- Single: 1 Monthly: 1 Single: 3,000 Monthly: 3,000 CT IL IN MA MD ME MT NH NJ No- Special Enhanced Life Income Options NY OR PA PR VI No- Nursing Home WA WY Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 90% of Premium at 1.95% (GMR/1000 $1,092)

Life of the Southwest SecurePlus Flex - Gold (H) Life of the Southwest SecurePlus Gold (Issued on or after 9/14/2010) Declared Interest Account 1-Year Fixed Rate (no bonus) 2.05% 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 4.25 1 Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 4.25 Non- Owner: 99 Owner: 99 Non- Single: 5,000 Monthly: 5,000 Single: 5,000 Monthly: 5,000 0-75: 7.00 76-80: 5.00 81-85: 3.00 No- Special Enhanced Life Income Options NY PR VI No- Terminal Illness No- Nursing Home Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 90% of Premium at 1.95% (GMR/1000 $1,092) Interest Account 1-Year Fixed Rate (no bonus) 1.95% 1-Year SP & 500 Point-to-Point S&P 500 Point to Point Annual None 75 7.15 Non- Non- Single: 5,000 Monthly: 5,000 0-75: 7.00+ 76-80: 6.00+ AK MT NJ NY 81-85: 4.00+ Single: 3,000 No- Special Enhanced Life Income Options OR PA PR UT VI Monthly: 3,000 No- Terminal Illness WA For states 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, 10 9 8 7 6 5 4 3 2 1

Life of the Southwest SecurePlus Marquee 10 WA (10 years): Age 59+ in states UT, WA (9 years): 8 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 90% of Premium at 1.95% (GMR/1000 $1,092) Declared Interest Account 1-Year Fixed Rate (no bonus) 1.75% Ending Index Account S&P 500 Point to Point Annual None 3.75 Average Index Account S&P 500 Point to Point Annual Daily 30 Non- Non- AK CA CT HI IN MA MD MN MO MS MT NH NJ No- Special Enhanced Life Income Options NV NY OK OR PA PR UT VA VI WA WY For states AR, AZ, CO, DC, FL, GA, IA, ID, IL, KS, KY, LA, ME, MI, NC, ND, 10 9 8 7 6 5 4 3 2 1 NE, NM, RI, SD, TN, VT, WI, WV (10 years): Ages 40 to 58 in states AL, DE, OH, SC, TX (10 years): 10 9 8 7 6 5 4 3 2 1 Age 59+ in states AL, DE, OH, SC, TX (10 years): 8 8 7 6 5 4 3 2 1 0 Guaranteed Minimum Value: Declared Fixed Rate 1-Year Fixed Rate (no bonus) 1.90% S&P 500 Point-to-Point Option 1 S&P 500 Point to Point Annual 4.00 S&P 500 Point-to-Point Option 2 S&P 500 Point to Point Annual 140 3.75 S&P 500 Point-to-Point Daily Average S&P 500 Point to Point Annual Daily 30 Russell 2000 Point-to-Point Option 2 Russell 2000 Point to Point Annual 140 3.75 Russell 2000 Point-to-Point Option 1 Russell 2000 Point to Point Annual 100 4.00

For states AR, AZ, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MA, MD, ME, MI, 12 12 11 10 9 8 7 6 5 3 Fixed Indexed Annuity Rates Life of the Southwest SecurePlus Marquee 3 Life of the Southwest SecurePlus Premier 10 Non- Non- AK CA CT HI IN MA MD MN MO MS MT NH NJ No- Special Enhanced Life Income Options NV NY OK OR No- Terminal Illness No- Nursing Home PA PR UT VA VI WA WY Withdrawal es: Premium Bonus: 3.00 Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Ages 40 to 58 (10 years): 10 9 8 7 6 5 4 3 2 1 Age 59+ (9 years): 8 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: Declared Fixed Rate 1-Year Fixed Rate (no bonus) 1.50% S&P 500 Point-to-Point Option 1 S&P 500 Point to Point Annual 100 3.00 S&P 500 Point-to-Point Daily Average S&P 500 Point to Point Annual Daily 25 Russell 2000 Point-to-Point Option 1 Russell 2000 Point to Point Annual 100 3.00 Russell 2000 Point-to-Point Option 2 Russell 2000 Point to Point Annual 50 3.10 S&P 500 Point-to-Point Option 2 S&P 500 Point to Point Annual 50 3.10 Non- Annuitant: Annuitant: Non- CT IN MT NJ No- Special Enhanced Life Income Options NM NY OR PA PR VI WA

Financial Group OptiPoint 10 SD, TN, VA, VT, WI, WV, WY (10 years): Ages 56 to 56 in states AK, AL, CA, DE, IL, MN, TX, UT (10 years): Ages 57 to 57 in states AK, AL, CA, DE, IL, MN, TX, UT (10 years): Ages 58 to 58 in states AK, AL, CA, DE, IL, MN, TX, UT (10 years): Ages 59 to 59 in states AK, AL, CA, DE, IL, MN, TX, UT (10 years): Age 60+ in states AK, AL, CA, DE, IL, MN, TX, UT (9 years): For states AK, AL, CA, DE, IL, MN, TX, UT (10 years): 11.5 11.5 11 10 9 8 7 6 5 3 10.75 10.75 10 9 8 7 6 5 4 3 10 10 9 8 7 6 5 4 3 2 9 9 8 7 6 5 4 3 2 1 8 8 7 6 5 4 3 2 1 12 12 11 10 9 8 7 6 5 3 Guaranteed Minimum Value: 87.5% of Premium at 1.95% (GMR/1000 $1,061) S&P 500 Ending Index Rate Option 1 S&P 500 Point to Point Annual None 100 3.10 S&P 500 Ending Index Rate Option 2 S&P 500 Point to Point Annual None 140 3.00 1-Year S&P 500 Average S&P 500 Point to Point Annual Daily 30 100.00 Declared Fixed Account 1-Year Fixed Rate (no bonus) 2.45% Russell 2000 Ending Index Rate Option 1 Russell 2000 Point to Point Annual None 100 3.10 Russell 2000 Ending Index Rate Option 2 Russell 2000 Point to Point Annual None 140 3.00 Non- Non- Single: 5,000 Monthly: 5,000 0-75: 7.00+ 76-80: 4.75+ AK MN NY OR Single: 2,000 UT Monthly: 2,000 Withdrawal es: Premium Bonus: 4.00

Financial Group OptiPoint 10 High-Band Surrender Charges Last 9 Years ING Annuity and Asset Sales ING Envoy Nine Fixed Index Annuity Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,149) Fixed Account 1-Year Fixed Rate (no bonus) 1.35% 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum 2.45 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 7.00 Performance Triggered Indexed Account S&P 500 Perf Trig Annual None Non- Non- Single: 100,000 Monthly: 100,000 0-75: 7.00+ 76-80: 4.75+ AK MN NY OR Single: 100,000 UT Monthly: 100,000 Withdrawal es: Premium Bonus: 5.00 Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,160) 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum 2.45 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 7.00 Fixed Account 1-Year Fixed Rate (no bonus) 1.35% Non- Non- Single: 15,000 Monthly: 15,000 NY PR VI Yes-Extended Care Waiver No- Nursing Home 0-80: 6.00+ For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, 9 9 9 9 8 7 6 5 4

ING Annuity and Asset Sales ING Envoy Nine Fixed Index Annuity High-Band MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (9 years): Ages 0 to 55 in states AK, DE, MN, NJ, PA, TX, UT, 9 9 9 9 8 7 6 5 4 WA (9 years): Age 56+ in states AK, DE, MN, NJ, PA, TX, UT, WA 9 8 7 6 5 4 3 2 1 (9 years): For states OR (9 years): 9 8 7 6 5 4 3 2 1 For states CT (9 years): 9 9 8 7 6 5 4 3 2 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $957) Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% 1-Year Point-to-Point Cap Index Strategy Blended Indicies Point to Point Annual None 2.50 Non- Non- Single: 75,000 Monthly: 75,000 Single: 75,000 Monthly: 75,000 NY PR VI Yes-Extended Care Waiver No- Nursing Home 0-80: 6.00+ 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, NV, OH, OK, RI, SC, 9 9 9 9 8 7 6 5 4

Life of the Southwest SecurePlus Premier 3 Financial Group OptiChoice 9 WA (9 years): Age 56+ in states AK, DE, MN, NJ, PA, TX, UT, WA 9 8 7 6 5 4 3 2 1 (9 years): For states OR (9 years): 9 8 7 6 5 4 3 2 1 For states CT (9 years): 9 9 8 7 6 5 4 3 2 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $957) Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% 1-Year Point-to-Point Cap Index Strategy Blended Indicies Point to Point Annual None 4.00 Non- Non- Yes-Long Term Care MT NV NY OR No- Special Enhanced Life Income Options PR VI Withdrawal es: Premium Bonus: 3.00 Withdrawal Charges 9 years: 8.25 8.25 7.25 6.25 5 4 3 2 1 0-75: 6.00+ 76-85: 3.50+ Guaranteed Minimum Value: 90% of Premium at 1.95% (GMR/1000 $1,103) Declared Fixed Account 1-Year Fixed Rate (no bonus) 1.95% S&P 500 Ending Index Rate Option 1 S&P 500 Point to Point Annual None 3.00 S&P 500 Ending Index Rate Option 2 S&P 500 Point to Point Annual None 50 3.10 1-Year S&P 500 Average S&P 500 Point to Point Annual Daily 30 Russell 2000 Ending Index Rate Option 1 Russell 2000 Point to Point Annual None 100 3.00 Russell 2000 Ending Index Rate Option 2 Russell 2000 Point to Point Annual None 50 3.10 Non- Non- Single: 5,000 Monthly: 5,000 Single: 2,000 Monthly: 2,000 NY 0-75: 7.00+ 76-80: 5.25+

Financial Group OptiChoice 9 High-Band Withdrawal Charges 9 years: 9 8 7 6 5 4 3 2 1 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,094) Fixed Account 1-Year Fixed Rate (no bonus) 1.45% 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.50 1-Year Monthly Average S&P 500 Point to Point Annual Monthly 9.00 Performance Triggered S&P 500 Perf Trig Annual None Non- Surrender Charges Last 8 Years Financial Group New Directions 8 Non- Single: 100,000 Monthly: 100,000 Single: 100,000 Monthly: 100,000 NY Withdrawal Charges 9 years: 9 8 7 6 5 4 3 2 1 0-75: 7.00+ 76-80: 5.25+ Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,094) Fixed Account 1-Year Fixed Rate (no bonus) 1.60% Performance Triggered S&P 500 Perf Trig Annual None 1-Year Monthly Average S&P 500 Point to Point Annual Monthly 9.00 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.65 Non- Non- NY Withdrawal Charges 8 years: 9 8 7 6 4.75 3.5 2 0.75 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,083) 0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+

Financial Group New Directions 8 High-Band Financial Group OptiPoint 8 Fixed Account 1-Year Fixed Rate (no bonus) 2.00% 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 8.40 Non- Non- Single: 100,000 Monthly: 100,000 Single: 100,000 Monthly: 100,000 NY Withdrawal Charges 8 years: 9 8 7 6 4.75 3.5 2 0.75 0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,083) Performance Triggered Indexed Account S&P 500 Perf Trig Annual None Fixed Account 1-Year Fixed Rate (no bonus) 2.15% 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 9.10 Non- Non- Single: 5,000 Monthly: 5,000 Single: 2,000 Monthly: 2,000 MN NY OR UT Withdrawal es: Premium Bonus: 3.00 Withdrawal Charges 8 years: 9 8 7 6 5 4 3 2 0-75: 6.00 76-80: 4.00 81-85: 2.00 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,115) 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 2.10 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 7.00 Performance Triggered Indexed Account S&P 500 Perf Trig Annual None Non- Non- 0-75: 6.00

Financial Group OptiPoint 8 High-Band Surrender Charges Last 7 Years Allianz Life Insurance Company of North America MasterDex Plus Annuity Single: 100,000 76-80: 4.00 Monthly: 100,000 MN NY OR UT 81-85: 2.00 Single: 100,000 Monthly: 100,000 Withdrawal es: Premium Bonus: 4.00 Withdrawal Charges 8 years: 9 8 7 6 5 4 3 2 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,126) 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 2.10 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 7.00 Fixed Account 1-Year Fixed Rate (no bonus) 1.10% Non- Non- Single: 15,000 Monthly: 15,000 Single: 15,000 Monthly: 15,000 Yes-Flex. Annuity Option Yes-Flex. Wthdrl Rider NY OR PR VI Yes-Death Benefit Rider No- Terminal Illness 0-75: 7.00+ 76-80: 6.00+ For states AK, AR, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, 10 9 8 7 6 5 4

Series) Income Select 7 For states AL, DE, IA, IN, KY, MS (7 years): 9 8 7 6 5 4 3 Guaranteed Minimum Value: 87.5% of Premium at 1.50% (GMR/1000 $971) 1 Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum 1.80 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None 3.25 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.50% 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None 3.50 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly 4.50 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None 3.50 1 Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum 1.80 1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None 3.50 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum 1.90 Non- Non- Owner: 81 Single: 5,000 Only Annuitant: 81 Monthly: 5,000 AK DE MN NJ Owner: 81 Single: 5,000 OR PA WA Annuitant: 81 Monthly: 5,000 Withdrawal Charges 7 years: 9 8 7 6 5 4 3 0-75: 3.00+ 76-80: 1.75+ 81-81: 1.75+ Guaranteed Minimum Value: 87.5% of Premium at 2.75% (GMR/1000 $1,058) 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 4.00 1 Year S&P500 Point-to-Point S&P 500 Point to Point Annual None 4.00 1-Year S&P500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.15 1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None 4.00 1 Year S&P500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 Series) Income Select 7 Non- Owner: 81 Annuitant: 81 Non- Single: 75,000 Monthly: 75,000 Only 0-75: 3.00+ 76-80: 1.75+

Owner: 81 Annuitant: 81 Single: 75,000 Monthly: 75,000 Withdrawal Charges 7 years: 9 8 7 6 5 4 3 Guaranteed Minimum Value: 87.5% of Premium at 2.75% (GMR/1000 $1,058) High-Band Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.70 1 Year S&P500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25 1 Year S&P500 Point-to-Point S&P 500 Point to Point Annual None 4.75 1-Year DJ EUROSTOXX 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 4.00 1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None 4.00 Great American Life Insurance Company American Legend II Non- Non- Yes-Extended Care Waiver No- Nursing Home NY PR VI 18-75: 5.50+ 76-80: 5.10+ 81-85: 3.50+ Non-Qual 0-75: 5.50+ 76-80: 5.10+ 81-85: 3.50+ For states AK, AL, AR, AZ, CA, CO, 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, OR, PA, RI, SC, 12 11 10 9 8 7 6

ING Annuity and Asset Sales ING Secure Index Seven IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY (7 years): For states CT, TX (7 years): 9 8 7 6 5 4 3 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,072) Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.80% 1 Year S&P 500 Monthly Sum S&P 500 Point to Point Annual Monthly Sum 2.00 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 4.00 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly 4.25 Non- Non- Single: 15,000 Monthly: 15,000 Single: 15,000 Monthly: 15,000 NY OR PR VI Yes-Extended Care Waiver No- Nursing Home 0-80: 5.00+ 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, NV, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (7 years): 10 10 10 10 9 8 7

ING Annuity and Asset Sales ING Secure Index Seven High-Band Ages 0 to 55 in states AK, DE, MN, NJ, OH, PA, TX, UT, WA (7 years): 10 10 10 10 9 8 7 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $938) Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.50 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None 3.25 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None 10.00 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Non- Non- Single: 75,000 Monthly: 75,000 Single: 75,000 Monthly: 75,000 NY OR PR VI Yes-Extended Care Waiver No- Nursing Home For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, 10 MS, MT, NC, ND, NE, NH, 10 10 10 9 8 7 NM, NV, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (7 years): Age 56+ in states AK, DE, NJ, OH, TX, UT (7 years): 10 10 10 10 9 8 7 For states CT (7 years): 10 9 8 7 6 5 4 Age 56+ in states MN, PA, WA (7 years): 9 8 7 6 5 4 3 Ages 0 to 55 in states AK, DE, MN, NJ, OH, PA, TX, UT, WA (7 years): 10 10 10 10 9 8 7 0-80: 5.00+ Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $938)

Life of the Southwest SecurePlus Silver Financial Group OptiChoice 7 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 4.25 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.90 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None 10.00 Non- Owner: 89 Annuitant: 89 Owner: 89 Annuitant: 89 Non- Single: 5,000 Monthly: 5,000 Single: 3,000 Monthly: 3,000 NY OR PR VI No- Special Enhanced Life Income Options WA No- Terminal Illness Withdrawal Charges 7 years: 8 8 7 6 5 4 2 0-75: 5.00+ 76-85: 3.50+ 86-89: 1.80+ Guaranteed Minimum Value: 90% of Premium at 1.95% (GMR/1000 $1,030) Declared Interest Account 1-Year Fixed Rate (no bonus) 1.40% Average Index Account S&P 500 Point to Point Annual Monthly 25 100.00 Ending Index Account S&P 500 Point to Point Annual None 100 2.50 Non- Non- Single: 5,000 Monthly: 5,000 Single: 2,000 Monthly: 2,000 NY Withdrawal Charges 7 years: 9 8 7 6 5 4 3 0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,072) Fixed Account 1-Year Fixed Rate (no bonus) 1.30% 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.40 Performance Triggered S&P 500 Perf Trig Annual None 1-Year Monthly Average S&P 500 Point to Point Annual Monthly 9.00

Financial Group OptiChoice 7 High-Band The Standard Index Growth Annuity 7 The Standard Index Growth Annuity 7 High-Band Non- Non- Single: 100,000 Monthly: 100,000 Single: 100,000 Monthly: 100,000 NY Withdrawal Charges 7 years: 9 8 7 6 5 4 3 0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,072) Fixed Account 1-Year Fixed Rate (no bonus) 1.45% 1-Year Monthly Average S&P 500 Point to Point Annual Monthly 9.00 Performance Triggered S&P 500 Perf Trig Annual None 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.50 Non- Owner: 90 Annuitant: 90 Owner: 90 Annuitant: 90 Non- Single: 15,000 Monthly: 15,000 Single: 15,000 Monthly: 15,000 NY PR VI Withdrawal Charges 7 years: 9 8 7 6 5 4 2 0-80: 5.00 81-85: 2.75 86-90: 2.25 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,072) Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.70% 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 2.35 Non- Owner: 90 Annuitant: 90 Owner: 90 Annuitant: 90 Non- Single: 100,000 Monthly: 100,000 Single: 100,000 Monthly: 100,000 NY PR VI 0-80: 5.00 81-85: 2.75 86-90: 2.25

Surrender Charges Last 6 Years Series) Income Preferred Six Series) Income Preferred Six High-Band Withdrawal Charges 7 years: 9 8 7 6 5 4 2 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,072) Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.70% 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 2.95 Non- Non- Single: 5,000 Monthly: 5,000 DE NJ NY OR Single: 5,000 PA PR VI WA Monthly: 5,000 Withdrawal Charges 6 years: 9 8 7 6 4.7 3.5 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $929) 0-75: 5.00+ 76-80: 3.50+ 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 2.00 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.15 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 2.00 Non- Non- Single: 75,000 Monthly: 75,000 DE NJ NY OR Single: 75,000 PA PR VI WA Monthly: 75,000 Withdrawal Charges 6 years: 9 8 7 6 4.7 3.5 0-75: 5.00+ 76-80: 3.50+ Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $929) 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.70

Great American Life Insurance Company Safe Outlook Great American Life Insurance Company Safe Outlook High-Band 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None 3.00 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.45% 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly 3.50 Non- Annuitant: Annuitant: Non- Yes-Extended Care Waiver No- Nursing Home DE NY PR Withdrawal Charges 6 years: 9 8 7 6 5 4 18-75: 4.00+ 76-80: 3.00+ 81-85: 2.00+ Non-Qual 0-75: 4.00+ 76-80: 3.00+ 81-85: 2.00+ Guaranteed Minimum Value: 90% of Premium at 1.00% (GMR/1000 $955) Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.25% 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 3.75 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly 3.75 Non- Annuitant: Annuitant: Non- Single: 100,000 Monthly: 100,000 Single: 100,000 Monthly: 100,000 Yes-Extended Care Waiver No- Nursing Home DE NY PR Withdrawal Charges 6 years: 9 8 7 6 5 4 18-75: 4.00+ 76-80: 3.00+ 81-85: 2.00+ Non-Qual 0-75: 4.00+ 76-80: 3.00+ 81-85: 2.00+ Guaranteed Minimum Value: 90% of Premium at 1.00% (GMR/1000 $955) Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.25% 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly 4.00

Financial Group New Directions 6 Financial Group New Directions 6 High-Band 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 4.00 Non- Non- NY Withdrawal Charges 6 years: 9 8 7 6 4.75 3.5 0-75: 3.50+ 76-80: 2.75+ 81-85: 1.75+ Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,062) Fixed Account 1-Year Fixed Rate (no bonus) 1.75% 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 7.25 Non- Surrender Charges Last 5 Years Allianz Life Insurance Company of North America Non- Single: 100,000 Monthly: 100,000 Single: 100,000 Monthly: 100,000 NY Withdrawal Charges 6 years: 9 8 7 6 4.75 3.5 0-75: 3.50+ 76-80: 2.75+ 81-85: 1.75+ Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,062) 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None 8.00 Fixed Account 1-Year Fixed Rate (no bonus) 1.90% Performance Triggered Indexed Account S&P 500 Perf Trig Annual None Non- Non- NY PR TX VI 0-75: 3.25 76-80: 2.00 81-UP: 1.00

Allianz Pro V1 Allianz Life Insurance Company of North America Endurance Elite 5 Yes-Flex. Wthdrl Rider No- Terminal Illness Yes-Death Benefit Rider Withdrawal Charges 5 years: 8 7 6 5 4 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $920) 1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.75% 1-Year PIMCO US Advantage Index Spread PIMCO US Aggregate Bond Index Point to Point Annual None 1.70 1-Year Barclay's Capital Spread ishares Barclays Aggregate Bon Point to Point Annual None 1.70 Non- Non- No- Flex. Annuity Option Yes-Flex. Wthdrl Rider NY PR VI WA Yes-Death Benefit Rider No- Terminal Illness Withdrawal Charges 5 years: 8 7 6 5 4 0-75: 5.00 76-80: 3.50 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $920) 1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.50% 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 3.00 1-Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum 1.90 1-Year Blended Point-to-Point Blended Indicies Point to Point Annual None 3.00 1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 3.00 1-Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum 2.00 1-Year Euro STOXX 50 Monthly Sum DJ EuroStoxx 50 Point to Point Annual Monthly Sum 2.00 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly 4.50 1-Year Euro STOXX 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 3.25

Series) Income Select 5 Non- Non- Owner: 83 Single: 5,000 Only Annuitant: 83 Monthly: 5,000 AK DE MN NJ Owner: 83 Single: 5,000 OR PA WA Annuitant: 83 Monthly: 5,000 Withdrawal Charges 5 years: 8 7 6 5 4 0-75: 2.00+ 76-80: 1.05+ 81-83: 0.95+ Guaranteed Minimum Value: 87.5% of Premium at 2.75% (GMR/1000 $1,002) 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 4.00 1-Year S&P500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.15 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None 4.00 1-Year S&P 500 Point-to-Point (Participation) S&P 500 Point to Point Annual None 25 1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None 4.00 Series) Income Select 5 Non- Non- Owner: 83 Single: 75,000 Only Annuitant: 83 Monthly: 75,000 AK DE MN NJ Owner: 83 Single: 75,000 OR PA WA Annuitant: 83 Monthly: 75,000 Withdrawal Charges 5 years: 8 7 6 5 4 0-75: 2.00+ 76-80: 1.05+ 81-83: 0.95+ Guaranteed Minimum Value: 87.5% of Premium at 2.75% (GMR/1000 $1,002) High-Band Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None 4.00 1-Year S&P500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.70 1-Year DJ EUROSTOXX 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 4.00 1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None 4.00 1-Year S&P 500 Point-to-Point (Participation) S&P 500 Point to Point Annual None 25

ING Annuity and Asset Sales ING Secure Index Five Financial Group OptiChoice 5 Non- Non- Single: 75,000 Monthly: 75,000 Single: 75,000 Monthly: 75,000 NY OR PR VI Yes-Extended Care Waiver No- Nursing Home Withdrawal Charges 5 years: 8 7.5 6.5 5.5 4.5 Guaranteed Minimum Value: 87.5% of Premium at 1.00% (GMR/1000 $920) 0-80: 3.25+ Fixed Rate Strategy (ROP) 1-Year Fixed Rate (no bonus) 1.25% 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 3.00 Monthly Cap Index Strategy (ROP) S&P 500 Point to Point Annual Monthly Sum 1.30 Point-to-Point Cap Index Strategy (ROP) S&P 500 Point to Point Annual None 2.50 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None 10.00 Interest Rate Benchmark Strategy (ROP) 3-Month LIBOR Point to Point Annual None 10.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum 1.40 Non- Non- Single: 5,000 Monthly: 5,000 Single: 2,000 Monthly: 2,000 NY Withdrawal Charges 5 years: 9 8 7 6 5 0-75: 5.00+ 76-80: 3.75+ 81-85: 2.50+ Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,051) 1-Year Fixed Account 1-Year Fixed Rate (no bonus) 1.25% 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.40 1-Year Monthly Average S&P 500 Point to Point Annual Monthly 9.00 Performance Triggered S&P 500 Perf Trig Annual None

Financial Group OptiChoice 5 High-Band The Standard Index Growth Annuity 5 The Standard Index Growth Annuity 5 High-Band Non- Non- Single: 100,000 Monthly: 100,000 Single: 100,000 Monthly: 100,000 NY Withdrawal Charges 5 years: 9 8 7 6 5 0-75: 5.00+ 76-80: 3.75+ 81-85: 2.50+ Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,051) 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum 1.50 Performance Triggered S&P 500 Perf Trig Annual None 1-Year Fixed Account 1-Year Fixed Rate (no bonus) 1.40% 1-Year Monthly Average S&P 500 Point to Point Annual Monthly 9.00 Non- Owner: 90 Annuitant: 90 Owner: 90 Annuitant: 90 Non- Single: 15,000 Monthly: 15,000 Single: 15,000 Monthly: 15,000 NY PR VI Withdrawal Charges 5 years: 8 7 6 4 2 0-80: 4.00 81-85: 2.25 86-90: 1.85 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,051) 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 2.20 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.70% Non- Owner: 90 Annuitant: 90 Owner: 90 Annuitant: 90 Non- Single: 100,000 Monthly: 100,000 Single: 100,000 Monthly: 100,000 NY PR VI 0-80: 4.00 81-85: 2.25 86-90: 1.85

Withdrawal Charges 5 years: 8 7 6 4 2 Guaranteed Minimum Value: 100% of Premium at 1.00% (GMR/1000 $1,051) Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.70% 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 2.80