Fixed Indexed Annuities

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Company - Any - Allianz Life Allianz Life of NY Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. American National Ins. Co. Aviva Life and Annuity EquiTrust Life Ins. Co. Genworth Life Ins. Co. Genworth Life of New York ING USA Annuity and Life Integrity Life Insurance Lincoln Benefit Life Lincoln Financial Group National Integrity Life Ins. North American Company OM Financial Life Ins. Co. Protective Life Corporation Reliance Standard Life Sun Life Financial The Standard Transamerica Life United of Omaha

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Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index-1-05 & Index-7-05-OK)	17 yrs	(NQ)	10.00%	3.00%	87.50%		11/04/09	0-75: 8.20+ 76-80: 6.15+ see notes
	Fixed @ 3.10% S&P 500 Monthly Average w/ PR S&P 500 Monthly Average w/ CAP S&P 500 Annual Point-to-Point w/ PR S&P 500 Annual Point-to-Point w/ CAP S&P 500 Monthly Point-to-Point Lehman Brothers U.S. Aggregate Annual Point-to-Point Dow Jones Annual Monthly Average Dow Jones Annual Point-to-Point
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index 1-07)	16 yrs	80	10.00%	3.00%	87.50%		11/04/09	0-75: 6.00+ 76-80: 4.50+ see notes
	Fixed Value @ 3.10% 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point 1-Year Dow Jones Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Lehman U.S. Aggregate Point-to-Point
Surrender Charges Last 14 Years
Amer. Equity Investment Life Ins. Co. Retirement Gold (02-09)	14 yrs	78	10.00%	2.25%	87.50%		11/04/09	0-78: 6.00+ see notes
	Fixed @ 2.90% S&P 500 Monthly Average w/ Participation S&P 500 Monthly Average w/ Cap S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Cap
EquiTrust Life Ins. Co. Market Power Bonus Index	14 yrs	80	10.00%	3.00%	87.50%	$1,456	03/12/10	0-80: 8.50+ see notes
	1-Year Interest Account @ 2.85% 1-Year S&P 500 Daily Average Cap 1-Year S&P 500 Point-to-Point Cap 2-Year S&P 500 Monthly Averaging Cap Account 1-Year S&P 500 Monthly Cap 1 Year S&P 500 Monthly Average Participation
EquiTrust Life Ins. Co. MarketTwelve Bonus	14 yrs	(NQ)	6.00%	3.00%	87.50%	$1,403	03/12/10	0-80: 9.00+ see notes
	Fixed @ 2.60% 1-Year S&P 500 Point-to-Point w/Cap 1-Year S&P 500 Daily Average w/ Cap 1-Year S&P 500 Monthly Average w/Participation 1-Year S&P 500 Monthly Cap 2-Year Monthly Average Cap
North American Company Charter 14	14 yrs	75	11.00%	1.10%	87.50%	$1,132	02/23/10	0-75: 8.50+ see notes
	1-Year Fixed @ 2.60% 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point 1-Year Lehman Bros. US Aggregate 1-Year Russell 2000 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point 1-Year NASDAQ-100 Monthly Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point 1-Year Hindsight Index Strategy 1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Dow Jones Annual Daily Average 1-Year Dow Jones Annual Point-to-Point 1-Year S&P 400 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point
North American Company Freedom Choice (5%) 14 -Low	14 yrs	75		1.10%	87.50%	$1,020	02/23/10	0-75: 5.50+ see notes
	1-Year Fixed @ 4.85% 1-Year Monthly Point-to-Point S&P 500 1-Year Annual Point-to-Point S&P 500 1-Year Annual Point-to-Point DJIA 1-Year Annual Point-to-Point DJ EuroSTOXX 50 1-Year Annual Point-to-Point S&P 400 1-Year Annual Point-to-Point LB U.S. Aggregate 1-Year Annual Point-to-Point Russell 2000 1-Year Annual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100
North American Company Freedom Choice (5%) 14 -High	14 yrs	75		1.10%	87.50%	$1,020	02/23/10	0-75: 5.50+ see notes
	1-Year Annual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Fixed @ 5.20% 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Annual Point-to-Point NADAQ 100 1-Year Annual Point-to-Point Russell 2000 1-Year Annual Point-to-Point LB U.S. Aggregate 1-Year Annual Point-to-Point S&P 400 1-Year Annual Point-to-Point DJ EuroSTOXX 50 1-Year Annual Point-to-Point DJIA
North American Company Freedom Choice 14 -Low	14 yrs	75		1.10%	87.50%	$1,020	02/23/10	0-75: 5.50+ see notes
	1-Year Fixed @ 4.40% 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point Russell 2000
North American Company Freedom Choice 14 -High	14 yrs	75		1.10%	87.50%	$1,020	02/23/10	0-75: 5.50+ see notes
	1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Fixed @ 4.80% 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50
North American Company North American Prizm Plus 14	14 yrs	75	10.00%	1.10%	87.50%	$1,122	02/23/10	0-75: 8.50+ see notes
	1-Year Fixed @ 3.00% 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Average 1-Year DJIA Point-to-Point 1-Year DJIA Monthly Average 1-Year DJ EuroStoxx 50 Point-to-Point 1-Year S&P 400 Point-to-Point 1-Year S&P 400 Monthly Average 1-Year Russell 2000 Point-to-Point 1-Year Russell 2000 Monthly Averaging 1-Year Nasdaq -100 Monthly Point-to-Point 1-Year Nasdaq 100 Point-to-Point 1-Year Lehman Bros. U.S. Aggregate Point-to-Point
North American Company Precision 14	14 yrs	75	11.00%	1.10%	87.50%	$1,132	02/23/10	0-75: 8.50+ see notes
	Fixed @ 2.60% Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point Lehman Bros. US Aggregate Nasdaq -100 Monthly Point-to-Point Nasdaq-100 Annual Point-to-Point Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point 1 - Year Hindsight Index Strategy Dow Jones EuroStoxx 50 Point-to-Point S&P 400 Annual Daily Average S&P 400 Annual Point-to-Point S&P 500 Monthly Point-to-Point Cap S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point
Surrender Charges Last 12 Years
Amer. Equity Investment Life Ins. Co. Bonus 5 (INDEX-3-07-WA)	12 yrs	(NQ)	5.00%				11/04/09	0-57: 6.00+ 58-80: 4.00+ see notes
	S&P 500 Monthly Average w/ PR S&P 500 Monthly Average w/ CAP S&P 500 Annual Point-to-Point w/ PR S&P 500 Annual Point-to-Point w/ CAP S&P 500 Monthly Point-to-Point Fixed @ 3.10%
Amer. Equity Investment Life Ins. Co. Income Gold (Index 3-07)	12 yrs	80	5.00%	3.00%	87.50%		11/04/09	0-75: 5.63+ 76-80: 4.22+ see notes
	1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap Fixed Account @ 3.10% 1-Year Lehman U.S. Aggregate Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap
Amer. General Life Ins. Co. AG HorizonIndex Annuity 12	12 yrs	85	5.00%	2.00%	90.00%	$1,198	03/05/10	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap Fixed Interest Account @ 2.80%
Lincoln Financial Group Lincoln OptiPoint 12 -Low	12 yrs	75	4.00%	2.00%	100%	$1,319	03/01/10	0-75: 8.00+ see notes
	Fixed @ 2.55% 2-Year Monthly Cap Performance Triggered 2-Year Point to Point
Lincoln Financial Group Lincoln OptiPoint 12 -High	12 yrs	75	5.00%	2.00%	100%	$1,332	03/01/10	0-75: 8.00+ see notes
	2-Year Point to Point Performance Triggered 2-Year Monthly Cap Fixed @ 2.55%
Surrender Charges Last 10 Years
American National Ins. Co. Value Lock 10	10 yrs	80	3.00%	1.75%	90.00%	$1,103	03/01/10	0-75: 10.00 76-80: 8.00
	S&P 500 10 Year Point-to-Point
EquiTrust Life Ins. Co. Market Value Index	10 yrs	80		3.00%	87.50%	$1,176	03/12/10	0-80: 7.50+ see notes
	1-Year Fixed @ 3.25% 2-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Monthly Averaging w/ Participation 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Average
OM Financial Life Ins. Co. OMIndex-Escalator 10	10 yrs	85	1.00%	1.00%	87.50%	$ 976	03/01/10	0-79: 6.50+ 80-85: 3.25+ see notes
	1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Averaging 1-Year S&P 500 Annual Point-to-Point Fixed Account @ 2.25%

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