Fixed Indexed Brief

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Company - Any - Amer. General Life Ins. Co. American National Ins. Co. Aviva Life and Annuity ING USA Annuity and Life John Hancock Lafayette Life Liberty Bankers Life Lincoln Financial Group North American Company OM Financial Life Ins. Co. Presidential Life RBC Insurance Royal Neighbors of America

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Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change	High Comm
Surrender Charges Last 3 Years
Lafayette Life	Centennial 3	3		3.00	90.00
Surrender Charges Last 5 Years
ING USA Annuity and Life	ING Secure Index Five Low-Band	5		1.50	100.00	$1,077		up to 4.00%
ING USA Annuity and Life	ING Secure Index Five High-Band	5		1.50	100.00	$1,077		up to 4.00%
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.25	100.00	$1,064		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.25	100.00	$1,064		up to 5.00%
Aviva Life and Annuity	Income Select 5 Low-Band [MVA]	5		2.75	87.50	$1,002		up to 3.00%
Aviva Life and Annuity	Income Select 5 High-Band [MVA]	5		2.75	87.50	$1,002		up to 3.00%
Lafayette Life	Centennial 5	5		3.00	90.00
North American Company	North American Formula Choice [TSA, MVA, LOAN]	5						up to 5.00%
Surrender Charges Last 6 Years
Lincoln Financial Group	Lincoln New Directions 6 Low-Band [MVA]	6		1.75	100.00	$1,110		up to 3.50%
Lincoln Financial Group	Lincoln New Directions 6 High-Band [MVA]	6		1.75	100.00	$1,110		up to 3.50%
American National Ins. Co.	ANICO EIA	6		1.50-3.00	90.00	$1,075	09/01/10	up to 5.00%
OM Financial Life Ins. Co.	OM Index-Escalator 6	6	1.00	1.00	87.50	$ 938		up to 4.00%
North American Company	Freedom Choice 6 Low-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice 6 High-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice (5%) 6 Low-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice (5%) 6 High-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
Aviva Life and Annuity	Income Preferred Six Low-Band	6		1.00	87.50	$ 929		up to 5.00%
Aviva Life and Annuity	Income Preferred Six High-Band	6		1.00	87.50	$ 929		up to 5.00%
Surrender Charges Last 7 Years
OM Financial Life Ins. Co.	OM Index-Safety 7 Low-Band	7		2.50	100.00	$1,189		up to 5.50%
OM Financial Life Ins. Co.	OM Index-Safety 7 High-Band	7		2.50	100.00	$1,189		up to 5.50%
OM Financial Life Ins. Co.	OM Index-Accelerator 7	7	3.00	1.00-1.10	100.00	$1,112		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 7 Low-Band [MVA]	7		1.50	100.00	$1,110		up to 6.00%
Lincoln Financial Group	Lincoln OptiChoice 7 High-Band [MVA]	7		1.50	100.00	$1,110		up to 6.00%
ING USA Annuity and Life	ING Secure Index Seven Low-Band	7		1.00	100.00	$1,072		up to 5.00%
ING USA Annuity and Life	ING Secure Index Seven High-Band	7		1.00	100.00	$1,072		up to 5.00%
Aviva Life and Annuity	Income Select 7 Low-Band [MVA]	7		2.75	87.50	$1,058		up to 4.00%
Aviva Life and Annuity	Income Select 7 High-Band [MVA]	7		2.75	87.50	$1,058		up to 4.00%
Amer. General Life Ins. Co.	VisionAdvantage 7 [MVA]	7		2.00	90.00	$1,034		up to 6.00%
American National Ins. Co.	Value Lock 7 [MVA]	7		1.75	90.00	$1,016	09/01/10	up to 6.00%

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