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Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	States
Surrender Charges Last 14 Years
North American Company Charter 14	14 yrs	75	10.00%	1.10%	87.50%	$1,122	09/01/10	Not Available in: AK AL CT DE MN NY OR PR UT VI WA
	1-Year Fixed @ 2.15% 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 Nasdaq-100 Annual Point-to-Point 1-Year NASDAQ-100 Monthly Point-to-Point 1-Year Dow Jones Annual Daily Average 1-Year Dow Jones Annual Point-to-Point 1-Year Russell 2000 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Hindsight Index Strategy 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	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 3.55% 1-Year Annual Point-to-Point S&P 500 1-Year Monthly 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 NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Annual Point-to-Point Russell 2000 1-Year Annual Point-to-Point S&P 400
North American Company Freedom Choice (5%) 14 -High	14 yrs	75		1.10%	87.50%	$1,020	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Annual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Fixed @ 3.90% 1-Year Annual Point-to-Point S&P 400 1-Year Annual Point-to-Point Russell 2000 1-Year Annual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 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	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 3.15% 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500
North American Company Freedom Choice 14 -High	14 yrs	75		1.10%	87.50%	$1,020	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 3.55% 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA
North American Company North American Prizm Plus 14	14 yrs	75	10.00%	1.10%	87.50%	$1,122	09/01/10	Not Available in: AK AL CT DE MN NV NY OR PR TX UT VI WA
	1-Year Fixed @ 2.15% 1-Year S&P 400 Point-to-Point 1-Year S&P 400 Monthly Average 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 Russell 2000 Point-to-Point 1-Year Russell 2000 Monthly Averaging 1-Year Nasdaq 100 Point-to-Point 1-Year Nasdaq -100 Monthly Point-to-Point 1-Year DJIA Point-to-Point 1-Year DJIA Monthly Average 1-Year DJ EuroStoxx 50 Point-to-Point
North American Company Precision 14	14 yrs	75	10.00%	1.10%	87.50%	$1,122	09/01/10	Not Available in: AK AL CT DE MN NY OR PR UT VI WA
	Fixed @ 2.15% Dow Jones EuroStoxx 50 Point-to-Point Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point 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 S&P 500 Monthly Point-to-Point Cap S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point S&P 400 Annual Daily Average S&P 400 Annual Point-to-Point
Surrender Charges Last 12 Years
Amer. General Life Ins. Co. AG HorizonIndex Annuity 12	12 yrs	85	5.00%	2.00%	90.00%	$1,198	08/27/10	Not Available in: AK CT MN NJ NY OK OR PR TX UT VI VT WA
	Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap Fixed Interest Account @ 2.00%
Lincoln Financial Group Lincoln OptiPoint 12 -Low	12 yrs	75	4.00%	2.00%	100%	$1,319	09/01/10	Not Available in: AK CT DE MN NY OR TX UT WA
	Fixed @ 2.10% Performance Triggered 2-Year Monthly Cap 2-Year Point to Point
Lincoln Financial Group Lincoln OptiPoint 12 -High	12 yrs	75	5.00%	2.00%	100%	$1,332	09/01/10	Not Available in: AK CT DE MN NY OR TX UT WA
	Fixed @ 2.10% 2-Year Point to Point 2-Year Monthly Cap Performance Triggered
Surrender Charges Last 10 Years
American National Ins. Co. Value Lock 10	10 yrs	80		1.75%	90.00%	$1,071	09/01/10	Not Available in: MA MN ND NJ NY OR PR VI VT
	S&P 500 10 Year Point-to-Point
Amer. General Life Ins. Co. AG Global Bonus Index Annuity	10 yrs	80	5.00%	2.00%	100%	$1,280	08/27/10	Not Available in: AK CT DE MN NJ NY OR PA PR TX UT VI VT WA
	Fixed Interest Account @ 2.00% Global Multiple Index Account with Cap Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap
Amer. General Life Ins. Co. Vision Maximizer	10 yrs	75	5.00%	2.00%	90.00%	$1,152	08/27/10	Not Available in: AK DE IL MN MS NJ NY OR PA PR TX UT VI VT WA
	Fixed Interest Account @ 2.00% Monthly Average Account with Index Spread Annual Point-to-Point Account with Cap Annual Point-to-Point Account with Adjustable Participation
American National Ins. Co. ANICO Strategy Indexed Annuity 10	10 yrs	85		1.00%	100%	$1,105	09/01/10	Not Available in: MA MN NY OR PA PR UT VI VT
	Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Point-to-Point
ING USA Annuity and Life ING Secure Index Opportunities Plus -Low	10 yrs	80	5.00%	2.00%	87.50%	$1,120	09/01/10	Not Available in: AK CT DE MN NJ NY OR PR VI WA
	Fixed Rate Strategy @ 1.50% Monthly Cap Index Strategy Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Secure Index Opportunities Plus -High	10 yrs	80	5.00%	2.00%	87.50%	$1,120	09/01/10	Not Available in: AK CT DE MN NJ NY OR PR VI WA
	Fixed Rate Strategy @ 1.50% Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
ING USA Annuity and Life ING Secure Index Outlook Annuity -Low	10 yrs	80	3.00%	2.00%	87.50%	$1,099	09/01/10	Only Available in: AK CT DE MN NJ PA UT WA
	Point-to-Point Cap Index Strategy Monthly Cap Index Strategy Fixed Rate Strategy @ 1.50%
ING USA Annuity and Life ING Secure Index Outlook Annuity -High	10 yrs	80	3.00%	2.00%	87.50%	$1,099	09/01/10	Only Available in: AK CT DE MN NJ PA UT WA
	Fixed Rate Strategy @ 1.50% Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Lincoln Benefit Life Saver's Index Annuity Premier -Low	10 yrs	85	3.00%	1.50%	100%	$1,195	08/30/10	Not Available in: AK CT MN NJ NY PA PR UT VI WA
	Fixed @ 1.00% 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Point-to-Point Low WaterMark 1-Year S&P 500 Monthly Average w/Cap 1-Year S&P 500 Monthly Cap
Lincoln Benefit Life Saver's Index Annuity Premier -High	10 yrs	85	3.00%	1.50%	100%	$1,195	08/30/10	Not Available in: AK CT MN NJ NY PA PR UT VI WA
	Fixed @ 1.00% 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Monthly Average w/Cap 1-Year S&P 500 Point-to-Point Low WaterMark 1-Year S&P 500 Point-to-Point
Lincoln Benefit Life Savers Index III -Low	10 yrs	85 (NQ)		3.00%	90.00%	$1,210	08/30/10	Not Available in: NY OR PR VI
	Option 1 Account B
Lincoln Benefit Life Savers Index III -High	10 yrs	85 (NQ)		3.00%	90.00%	$1,210	08/30/10	Not Available in: NY OR PR VI
	Option 1 Account B
Lincoln Benefit Life Savers Index III (ROP) Low-Band Product has been withdrawn from sale effective 08/16/2010
Lincoln Benefit Life Savers Index III (ROP) High-Band Product has been withdrawn from sale effective 08/16/2010
Lincoln Financial Group Lincoln OptiPoint 10 -Low	10 yrs	80	3.00%	1.80%	100%	$1,231	09/01/10	Not Available in: AK MN NY OR UT
	Fixed @ 2.10% 2-Year Monthly Cap 2-Year Point to Point Performance Triggered
Lincoln Financial Group Lincoln OptiPoint 10 -High	10 yrs	80	4.00%	1.80%	100%	$1,243	09/01/10	Not Available in: AK MN NY OR UT
	2-Year Monthly Cap 2-Year Point to Point Performance Triggered Fixed @ 2.10%
North American Company Charter 10	10 yrs	79	5.00%	1.10%	87.50%	$1,025	09/01/10	Not Available in: AK AL CT DE MN NY OR PR UT VI WA
	1-Year Fixed @ 2.00% 1-Year S&P 400 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point 1- Year Hindsight Index 1-Year S&P 500 Monthly Point-to-Point Capped 1-Year S&P 500 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point 1 -Year NASDAQ Monthly Point-to-Point 1-Year Russell 2000 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Daily Average 1-Year Dow Jones Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company Freedom Choice (5%) 10 -Low	10 yrs	79		1.10%	87.50%	$ 976	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 2.85% 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500
North American Company Freedom Choice (5%) 10 -High	10 yrs	79		1.10%	87.50%	$ 976	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 3.20% 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA
North American Company Freedom Choice 10 -Low	10 yrs	79		1.10%	87.50%	$ 976	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 2.45% 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point NASDAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400
North American Company Freedom Choice 10 -High	10 yrs	79		1.10%	87.50%	$ 976	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 2.90% 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50
North American Company North American Paramount Choice Ten	10 yrs	(NQ)	10.00%	1.10%	87.50%	$1,074	09/01/10	Not Available in: AK AL CT DE MN NV NY OR TX UT WA
	Fixed @ 1.35% S&P 400 Monthly Averaging S&P 400 Annual Point-to-Point S&P 500 Monthly Point-to-Point S&P 500 Monthly Averaging S&P 500 Annual Point-to-Point Dow Jones Industrial Annual Point-to-Point Dow Jones Industrial Monthly Averaging DJ EuroSTOXX 50 Annual Point-to-Point Russell 2000 Annual Point-to-Point Russell 2000 Monthly Averaging Nasdaq100 Monthly Point-to-Point Nasdaq 100 Annual Point-to-Point
North American Company North American Prizm Plus 10	10 yrs	79	5.00%	1.10%	87.50%	$1,025	09/01/10	Not Available in: AK AL CT DE MN NV NY OR PR TX UT VI WA
	1-Year Fixed @ 2.00% 1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Dow Jones Monthly Average 1-Year Dow Jones Point-to-Point 1-Year Russell 2000 Monthly Averaging 1-Year Russell 2000 Point-to-Point 1-Year Nasdaq 100 Point-to-Point 1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 400 Monthly Average 1-Year S&P 400 Point-to-Point 1-Year S&P 500 Monthly Average 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company North American Ten	10 yrs	79	10.00%	3.00%	100%	$1,478	09/01/10	Not Available in: AK AL CT DE MN NV NY OR TX UT WA
	1-Year Fixed Account @ 1.30% 1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point 1-Year Nasdaq 100 Annual Point-to-Point 1-Year Nasdaq 100 Monthly Point-to-Point 1-Year Dow Jones Annual Point-to-Point 1-Year Dow Jones Monthly Average 1-Year Russell 2000 Annual Point-to-Point 1-Year Russell 2000 Monthly Average 1-Year S&P 400 Annual Point-to-Point 1-Year S&P 400 Monthly Average 1-Year S&P 500 Monthly Average 1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point 1 - Year Hindsight Index Strategy
North American Company Pillar	10 yrs	(NQ)	5.00%				09/01/10	Only Available in: TX WA
	Fixed @ 1.65% S&P 500 Daily Averaging w/ Participation S&P 500 Annual Point-to-Point w/Participation S&P 500 Annual Point-to-Point w/ Cap S&P 500 Monthly Point-to-Point
North American Company Precision 10	10 yrs	79	5.00%	1.10%	87.50%	$1,025	09/01/10	Not Available in: AK AL CT DE MN NY OR PR UT VI WA
	Fixed @ 2.00% S&P 500 Monthly Point-to-Point Cap S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point S&P 400 Annual Daily Average S&P 400 Annual Point-to-Point Nasdaq-100 Annual Point-to-Point 1 - Year Hindsight Index Strategy Dow Jones EuroStoxx 50 Point-to-Point Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point Nasdaq - 100 Monthly Point-to-Point Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point
Surrender Charges Last 9 Years
Amer. General Life Ins. Co. AG HorizonIndex Annuity 9	9 yrs	85	4.00%	2.00%	90.00%	$1,119	08/27/10	Not Available in: AK MN NJ NY OK OR PR UT VI VT WA
	Fixed Interest Account @ 2.00% Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap
Amer. General Life Ins. Co. VisionAdvantage 9	9 yrs	80		2.00%	90.00%	$1,076	08/27/10	Not Available in: AK CT DE MN NJ NY OR PA PR TX UT VI VT WA
	Fixed Interest Account @ 2.30% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap Monthly Average Account with Index Spread
ING USA Annuity and Life ING Envoy Nine Fixed Index Annuity -Low	9 yrs	80		1.00%	100%	$1,094	09/01/10	Not Available in: NY PR VI
	Fixed Rate Strategy @ 1.80% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Envoy Nine Fixed Index Annuity -High	9 yrs	80		1.00%	100%	$1,094	09/01/10	Not Available in: NY PR VI
	Fixed Rate Strategy @ 1.80% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Envoy Six Fixed Index Annuity -Low	9 yrs	80		1.00%	100%	$1,094	09/01/10	Not Available in: NY PR VI
	Fixed Rate Strategy @ 1.50% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Envoy Six Fixed Index Annuity -High	9 yrs	80		1.00%	100%	$1,094	09/01/10	Not Available in: NY PR VI
	Fixed Rate Strategy @ 1.50% 1-Year Point-to-Point Cap Index Strategy
Lincoln Financial Group Lincoln OptiChoice 9 -Low	9 yrs	80		1.75%	100%	$1,169	09/01/10	Not Available in: NY
	Fixed @ 1.90% 1-Year Point-to-Point 1-Year Monthly Average 1-Year Monthly Cap
Lincoln Financial Group Lincoln OptiChoice 9 -High	9 yrs	80		1.75%	100%	$1,169	09/01/10	Not Available in: NY
	1-Year Monthly Cap 1-Year Monthly Average 1-Year Point-to-Point Fixed @ 2.05%
Surrender Charges Last 8 Years
Amer. General Life Ins. Co. AG Global 8 Index Annuity	8 yrs	80		2.00%	90.00%	$1,054	08/27/10	Not Available in: NY PR VI VT
	Fixed Interest Account @ 2.00% Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap Global Multiple Index Account with Cap
Lincoln Financial Group Lincoln New Directions 8 -Low	8 yrs	85		2.00%	100%	$1,172	09/01/10	Not Available in: NY
	Fixed @ 2.35% Performance Triggered 2-Year Point to Point
Lincoln Financial Group Lincoln New Directions 8 -High	8 yrs	85		2.00%	100%	$1,172	09/01/10	Not Available in: NY
	Performance Triggered 2-Year Point to Point Fixed @ 2.50%
Lincoln Financial Group Lincoln OptiPoint 8 -Low	8 yrs	85	2.00%	1.60%	100%	$1,158	09/01/10	Not Available in: MN NY OR UT
	Fixed @ 2.10% 2-Year Monthly Cap 2-Year Point to Point Performance Triggered
Lincoln Financial Group Lincoln OptiPoint 8 -High	8 yrs	85	3.00%	1.60%	100%	$1,169	09/01/10	Not Available in: MN NY OR UT
	Performance Triggered 2-Year Point to Point 2-Year Monthly Cap Fixed @ 2.10%
North American Company Freedom Choice (5%) 8 -Low	8 yrs	85		1.10%	87.50%	$ 955	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 2.70% 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500
North American Company Freedom Choice (5%) 8 -High	8 yrs	85		1.10%	87.50%	$ 955	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 3.05% 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point DJIA 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point DJ EuroSTOXX 50
North American Company Freedom Choice 8 -Low	8 yrs	85		1.10%	87.50%	$ 955	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 2.35% 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 NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400
North American Company Freedom Choice 8 -High	8 yrs	85		1.10%	87.50%	$ 955	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Fixed @ 2.75% 1-Year Anual Point-to-Point S&P 400 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 DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50
Surrender Charges Last 7 Years
American National Ins. Co. Value Lock 7	7 yrs	80		1.75%	90.00%	$1,016	09/01/10	Not Available in: IL MD MN ND NJ NY OR PR UT VI VT
	S&P 500 7 Year Point-to-Point
Minnesota Life SecureLink Annuity	7 yrs	80					08/14/10	Not Available in: IN MA MS NY OR PR TX UT VI
	SecureLink Indexed Account
Amer. General Life Ins. Co. VisionAdvantage 7	7 yrs	85		2.00%	90.00%	$1,034	08/27/10	Not Available in: CT DE MN NJ NY OR PA PR UT VI VT WA
	Fixed Interest Account @ 2.00% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap Monthly Average Account with Index Spread
American National Ins. Co. ANICO Strategy Indexed Annuity 7	7 yrs	85		1.00%	90.00%	$ 965	09/01/10	Not Available in: MA MN NY OR PA PR UT VI VT
	Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Annual Point-to-Point
ING USA Annuity and Life ING Secure Index Seven -Low	7 yrs	80		1.00%	100%	$1,072	09/01/10	Not Available in: NY OR PR VI
	Fixed Rate Strategy @ 1.80% Monthly Cap Index Strategy Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Secure Index Seven -High	7 yrs	80		1.00%	100%	$1,072	09/01/10	Not Available in: NY OR PR VI
	Point-to-Point Cap Index Strategy Monthly Cap Index Strategy Fixed Rate Strategy @ 1.80%
Lincoln Benefit Life Savers Index I -Low	7 yrs	75 (NQ)		3.00%	90.00%	$1,107	08/30/10	Not Available in: AK NJ NY OR PR UT VI VT WA
	Option 2 Option 1
Lincoln Benefit Life Savers Index I -High	7 yrs	75 (NQ)		3.00%	90.00%	$1,107	08/30/10	Not Available in: AK NJ NY OR PR UT VI VT WA
	Option 1 Option 2
Lincoln Benefit Life Savers Index I (ROP) -Low	7 yrs	75 (NQ)		3.00%	90.00%	$1,107	08/30/10	Not Available in: AK NJ NY OR PR UT VI VT WA
	Option 1 Option 2
Lincoln Benefit Life Savers Index I (ROP) -High	7 yrs	75 (NQ)		3.00%	90.00%	$1,107	08/30/10	Not Available in: AK NJ NY OR PR UT VI VT WA
	Option 1 Option 2
Lincoln Financial Group Lincoln OptiChoice 7 -Low	7 yrs	85		1.50%	100%	$1,110	09/01/10	Not Available in: NY
	Fixed @ 1.70% 1-Year Monthly Cap 1-Year Monthly Average 1-Year Point-to-Point
Lincoln Financial Group Lincoln OptiChoice 7 -High	7 yrs	85		1.50%	100%	$1,110	09/01/10	Not Available in: NY
	Fixed @ 1.85% 1-Year Point-to-Point 1-Year Monthly Average 1-Year Monthly Cap
North American Company Charter 7	7 yrs	85		1.10%	87.50%	$ 945	09/01/10	Not Available in: AK AL DE NY OR PR UT VI
	1-Year Fixed @ 1.45% 1-Year S&P 400 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point 1- Year Hindsight Index Strategy 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 Russell 2000 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point 1-Year NASDAQ Monthly Point-to-Point 1-Year Dow Jones Annual Daily Average 1-Year Dow Jones Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company North American Prizm Plus 7	7 yrs	85		1.10%	87.50%	$ 945	09/01/10	Not Available in: AK AL CT DE MN NV NY OR PR TX UT VI WA
	1-Year Fixed @ 1.45% 1-Year S&P 500 Monthly Average 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 400 Monthly Average 1-Year S&P 400 Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Monthly Average 1-Year Russell 2000 Point-to-Point 1-Year Nasdaq100 Monthly Point-to-Point 1-Year Nasdaq 100 Point-to-Point 1-Year Dow Jones Monthly Average 1-Year Dow Jones Point-to-Point
North American Company Precision 7	7 yrs	85		1.10%	87.50%	$ 945	09/01/10	Not Available in: AK AL DE NY OR PR UT VI
	Fixed @ 1.45% Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point Dow Jones EuroStoxx 50 Point-to-Point 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 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 6 Years
American National Ins. Co. ANICO EIA	6 yrs	85		1.50-3.00%	90.00%	$1,075	09/01/10	Not Available in: MN ND NY OK OR PR VI WA
	Performance Triggered
Lincoln Financial Group Lincoln New Directions 6 -Low	6 yrs	85		1.75%	100%	$1,110	09/01/10	Not Available in: NY
	Fixed @ 2.10% Performance Triggered 2-Year Point to Point
Lincoln Financial Group Lincoln New Directions 6 -High	6 yrs	85		1.75%	100%	$1,110	09/01/10	Not Available in: NY
	Performance Triggered 2-Year Point to Point Fixed @ 2.25%
North American Company Freedom Choice (5%) 6 -Low	6 yrs	85		1.10%	87.50%	$ 934	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 1.75% 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400
North American Company Freedom Choice (5%) 6 -High	6 yrs	85		1.10%	87.50%	$ 934	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Fixed @ 2.15% 1-Year Anual Point-to-Point S&P 400 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 DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA
North American Company Freedom Choice 6 -Low	6 yrs	85		1.10%	87.50%	$ 934	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Fixed @ 1.45% 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 NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400
North American Company Freedom Choice 6 -High	6 yrs	85		1.10%	87.50%	$ 934	09/01/10	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA
	1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Fixed @ 1.90% 1-Year Anual Point-to-Point S&P 400 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 DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50
Surrender Charges Last 5 Years
ING USA Annuity and Life ING Secure Index Five -Low	5 yrs	80		1.50%	100%	$1,077	09/01/10	Not Available in: NY OR PR VI
	Fixed Rate Strategy @ 1.50% Fixed Rate Strategy (ROP) @ 1.50% Point-to-Point Cap Index Strategy Monthly Cap Index Strategy Monthly Cap Index Strategy (ROP) Point-to-Point Cap Index Strategy (ROP)
ING USA Annuity and Life ING Secure Index Five -High	5 yrs	80		1.50%	100%	$1,077	09/01/10	Not Available in: NY OR PR VI
	Point-to-Point Cap Index Strategy Monthly Cap Index Strategy Monthly Cap Index Strategy (ROP) Point-to-Point Cap Index Strategy (ROP) Fixed Rate Strategy @ 1.50% Fixed Rate Strategy (ROP) @ 1.50%
Lincoln Benefit Life Saver's Index Annuity Plus -Low	5 yrs	85		1.50%	100%	$1,077	08/30/10	Not Available in: NY PR VI
	Fixed @ 1.00% 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Point-to-Point Low Watermark 1-Year S&P 500 Monthly Average w/ Cap 1-Year S&P 500 Monthly Cap
Lincoln Benefit Life Saver's Index Annuity Plus -High	5 yrs	85		1.50%	100%	$1,077	08/30/10	Not Available in: NY PR VI
	1-Year S&P 500 Point-to-Point 1-Year S&P 500 Point-to-Point Low Watermark 1-Year S&P 500 Monthly Average w/ Cap 1-Year S&P 500 Monthly Cap Fixed @ 1.00%
Lincoln Benefit Life Saver's Index Annuity Plus (ROP) -Low	5 yrs	85		1.50%	100%	$1,077	08/30/10	Not Available in: NY PR VI
	Fixed @ 0.85% 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Point-to-Point Low Watermark 1-Year S&P 500 Monthly Average w/ Cap 1-Year S&P 500 Monthly Cap
Lincoln Benefit Life Saver's Index Annuity Plus (ROP) -High	5 yrs	85		1.50%	100%	$1,077	08/30/10	Not Available in: NY PR VI
	1-Year S&P 500 Point-to-Point 1-Year S&P 500 Point-to-Point Low Watermark 1-Year S&P 500 Monthly Average w/ Cap 1-Year S&P 500 Monthly Cap Fixed @ 0.85%
Lincoln Financial Group Lincoln OptiChoice 5 -Low	5 yrs	85		1.25%	100%	$1,064	09/01/10	Not Available in: NY
	Fixed @ 1.50% 1-Year Point-to-Point 1-Year Monthly Cap 1-Year Monthly Average
Lincoln Financial Group Lincoln OptiChoice 5 -High	5 yrs	85		1.25%	100%	$1,064	09/01/10	Not Available in: NY
	1-Year Point-to-Point 1-Year Monthly Cap 1-Year Monthly Average Fixed @ 1.65%
North American Company North American Formula Choice	5 yrs	85					09/01/10	Not Available in: AK AL DE NY OR PR UT VI
	1-Year Fixed @ 1.50% 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Point-to-Point 1-Year S&P 400 Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Point-to-Point 1-Year Nasdaq 100 Point-to-Point 1-Year NASDAQ 100 Monthly Point-to-Point 1-Year Dow Jones Industrial Average Point-to-Point

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