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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States
Surrender Charges Last 14 Years
North American Company Charter 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NY OR PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,122)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.15% 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.20 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     4.50 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     4.15 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 100 0.00 3.70 1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.10 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     4.30 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   4.00 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     3.90 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     3.80 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     3.45 1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     3.90 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 100 0.00 3.85
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.55% 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     7.15 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     7.15 1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     7.05 1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     7.05 1-Year Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     6.45 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     6.45 1-Year Annual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     6.70 1-Year Annual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     6.85
North American Company Freedom Choice (5%) 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     7.90 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     3.50 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.90% 1-Year Annual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     7.60 1-Year Annual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     7.40 1-Year Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     7.20 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.15 1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     7.85 1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     7.90
North American Company Freedom Choice 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.15% 1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     6.05 1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     6.05 1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     5.60 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     2.80 1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     5.80 1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     5.90 1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     6.25 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     3.00
North American Company Freedom Choice 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.55% 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     3.25 1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     7.10 1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     6.80 1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     6.65 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.00 1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     6.45 1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     7.00 1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     7.00
North American Company North American Prizm Plus 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NV NY OR PR TX UT VI WA
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,122)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.15% 1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None 20     1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly 25     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.20 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly 40     1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None 15     1-Year Russell 2000 Monthly Averaging Russell 2000 Point to Point Annual Monthly 30     1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 20     1-Year Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly     2.10 1-Year DJIA Point-to-Point DJIA Point to Point Annual None 25     1-Year DJIA Monthly Average DJIA Point to Point Annual Monthly 40     1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 25
North American Company Precision 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NY OR PR UT VI WA
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,122)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.15% Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 35   5.00 Dow Jones Annual Daily Average DJIA Point to Point Annual Daily 45   5.00 Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 40   5.00 Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.10 Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 30   5.00 Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily 25   5.00 Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 25   5.00 1 - Year Hindsight Index Strategy Blended Indicies Point to Point Annual None 25   5.00 S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100   2.20 S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily 40   5.50 S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 35   5.50 S&P 400 Annual Daily Average S&P 400 Point to Point Annual Daily 30   5.00 S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 30   5.00
Surrender Charges Last 12 Years
Jackson National Life Elite Annual Reset 12 Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  Yes-Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MA MD MN MS MT NY OK OR PR TX UT VI
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, ME, MI, MO, NC, ND, NE, NH, NJ, NM, NV, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (12 years): 10 9.5 9 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 For states CT, WA (10 years): 9 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5			Rate Changed: 08/23/10
	Guaranteed Minimum Value:		at 3.00%	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap 12 Years S&P 500 Point to Point Annual Monthly     6.25
Jackson National Life Elite Annual Reset 12 High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  Yes-Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MA MD MN MS MT NY OK OR PR TX UT VI
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, ME, MI, MO, NC, ND, NE, NH, NJ, NM, NV, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (12 years): 10 9.5 9 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 For states CT, WA (10 years): 9 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5			Rate Changed: 08/23/10
	Guaranteed Minimum Value:		at 3.00%	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap 12 Years S&P 500 Point to Point Annual Monthly     7.50
American General Life Insurance Company AG HorizonIndex Annuity 12	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT MN NJ NY OK OR PR TX UT VI VT WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 12 12 12 12 11 10 9 8 7 5 3
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,198)
	Account Name Indicie Type Reset Averaging Part Spread Cap Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     2.20 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     8.50 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00%
Lincoln Financial Group Lincoln OptiPoint 12 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NY OR TX UT WA
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,319)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% Performance Triggered S&P 500 Perf Trig Annual None       2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45
Lincoln Financial Group Lincoln OptiPoint 12 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NY OR TX UT WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,332)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 Performance Triggered S&P 500 Perf Trig Annual None
Surrender Charges Last 10 Years
Aviva Life and Annuity Income Preferred Ultra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states TX (10 years): 14.2 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5			Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)	Next Change : 09/03/10
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.25%
Aviva Life and Annuity Income Preferred Ultra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states TX (10 years): 14.2 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5			Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)	Next Change : 09/03/10
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.65%
American National Insurance Company Value Lock 10	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	Yes-Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MA MN ND NJ NY OR PR VI VT
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3 For states CT, PA (10 years): 9 9 8 7 6 5 4 3 2 1			Rate Changed: 09/01/10
	Guaranteed Minimum Value:		90% of Premium at 1.75%  (GMR/1000 $1,071)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 10 Year Point-to-Point S&P 500 Point to Point 10-year Continuous Monthly 70
Jackson National Life Elite Annual Reset 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MA MD MN MS MT NY OK OR PR TX UT VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:			Rate Changed: 08/23/10
	Guaranteed Minimum Value:		at 3.00%	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap 10 Years S&P 500 Point to Point Annual Monthly     6.25
Jackson National Life Elite Annual Reset 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MA MD MN MS MT NY OK OR PR TX UT VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:			Rate Changed: 08/23/10
	Guaranteed Minimum Value:		at 3.00%	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap 10 Years S&P 500 Point to Point Annual Monthly     7.50
Allianz Life MasterDex 10	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: CA CT PA
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 10 years:
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%  (GMR/1000 $1,117)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 3.00% 1-Year SP 500 Monthly Point to Point S&P 500 Point to Point Annual Monthly Sum     3.10 1-Year Nasdaq-100 Monthly Point to Point Nasdaq 100 Point to Point Annual Monthly Sum     3.10
American National Insurance (Legacy) BenchMark Reliance Extra	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT MN NC NY OR PR TX UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 11 10 9 8 7 6 5 4 2
	Guaranteed Minimum Value:		100% of Premium at 1.20%  (GMR/1000 $1,127)
	Account Name Indicie Type Reset Averaging Part Spread Cap Guaranteed One Year Standard       Guaranteed One Year Current Market Standard       Index 10 Year Treasury Standard       Index Corporate Bond Standard
American National Insurance (Legacy) BenchMark Reliance Extra 2	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT MN NC NY OR PR TX UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 10 9 8 7 6 4 2
	Guaranteed Minimum Value:		100% of Premium at 1.20%  (GMR/1000 $1,127)
	Account Name Indicie Type Reset Averaging Part Spread Cap Guaranteed One Year Standard       Guaranteed One Year Current Market Standard       Index 10 Year Treasury Standard       Index Corporate Bond Standard
American National Insurance (Legacy) BenchMark Reliance Extra 4	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT MN NC NY OR PR TX UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 9 8 7 6 9 8 6 4 2
	Guaranteed Minimum Value:		100% of Premium at 1.20%  (GMR/1000 $1,127)
	Account Name Indicie Type Reset Averaging Part Spread Cap Guaranteed One Year Step Rate       Guaranteed One Year Current Market Step Rate       Index 10 Year Treasury Step Rate       Index Corporate Bond Step Rate
American National Insurance (Legacy) BenchMark Reliance Extra 6	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT MN NC NY OR PR TX UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 11 11 10 10 8 6 4 2
	Guaranteed Minimum Value:		100% of Premium at 1.20%  (GMR/1000 $1,127)
	Account Name Indicie Type Reset Averaging Part Spread Cap Guaranteed One Year Standard       One Year Current Market Standard       Index 10 Year Treasury Standard       Index Corporate Bond Standard
American National Insurance (Legacy) BenchMark Reliance Extra 8	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT MN NC NY OR PR TX UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 12 11 11 10 8 6 4 2
	Guaranteed Minimum Value:		100% of Premium at 1.20%  (GMR/1000 $1,127)
	Account Name Indicie Type Reset Averaging Part Spread Cap Guaranteed One Year Standard       Guaranteed One Year Current Market Standard       Index 10 Year Treasury Standard       Index Corporate Bond Standard
Aviva Life and Annuity Income Select Plus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AK, CA, IN, MO, MS, MT, SC, UT, VA (10 years): 16 15 14 13 12 11 10 8 6 4 For states CT, DE, MN, NJ, OR, PA, TX, WA (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 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 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     1.75 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
Aviva Life and Annuity Income Select Plus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AK, CA, IN, MO, MS, MT, SC, UT, VA (10 years): 16 15 14 13 12 11 10 8 6 4 For states CT, DE, MN, NJ, OR, PA, TX, WA (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 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.00 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) 2.20% 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.50 1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.50
Lincoln Benefit Life Savers Index III Low-Band	Non-Qualified Owner: 90 Annuitant: 85 Qualified Owner: 90 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 3,000 Monthly: 3,000	No- Disability  Yes-Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 3.00%  (GMR/1000 $1,210)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option 1 S&P 500 Point to Point Annual None 60   3.50 Account B S&P 500 Point to Point Annual None 100 0.00 3.25
Lincoln Benefit Life Savers Index III High-Band	Non-Qualified Owner: 90 Annuitant: 85 Qualified Owner: 90 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  Yes-Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 3.00%  (GMR/1000 $1,210)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option 1 S&P 500 Point to Point Annual None 60   4.00 Account B S&P 500 Point to Point Annual None 100 0.00 3.75
Lincoln Financial Group Lincoln OptiPoint 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NY OR UT
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.80%  (GMR/1000 $1,231)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 Performance Triggered S&P 500 Perf Trig Annual None
Lincoln Financial Group Lincoln OptiPoint 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NY OR UT
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.80%  (GMR/1000 $1,243)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 Performance Triggered S&P 500 Perf Trig Annual None       Fixed 1-Year Fixed Rate (no bonus) 2.10%
North American Company Precision 10	Non-Qualified Owner: 79 Annuitant: 79 Qualified Owner: 79 Annuitant: 79	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NY OR PR UT VI WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		15 14 13 12 11 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.00% S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.05 S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily 35   5.00 S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 30   5.00 S&P 400 Annual Daily Average S&P 500 Point to Point Annual Daily 25   4.50 S&P 400 Annual Point-to-Point S&P 500 Point to Point Annual None 25   4.50 Nasdaq-100 Annual Point-to-Point S&P 500 Point to Point Annual None 25   4.50 1 - Year Hindsight Index Strategy Blended Indicies Point to Point Annual None 20   4.50 Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 35   4.50 Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily 25   4.50 Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 25   4.50 Nasdaq - 100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     1.85 Dow Jones Annual Daily Average DJIA Point to Point Annual Daily 40   4.50 Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 35   4.50

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