Fixed Indexed Brief

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Company - Any - Amer. General Life Ins. Co. American National Ins. Co. Genworth Life Ins. Co. Genworth Life of New York ING USA Annuity and Life John Hancock Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York Minnesota Life North American Company ReliaStar Life Ins. Co. of NY Sun Life Financial Transamerica Life United of Omaha West Coast Life

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Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change
Surrender Charges Last 5 Years
ING USA Annuity and Life	ING Secure Index Five Low-Band	5		1.50	100.00	$1,077
ING USA Annuity and Life	ING Secure Index Five High-Band	5		1.50	100.00	$1,077
Lincoln Benefit Life	Saver's Index Annuity Plus Low-Band	5		1.50	100.00	$1,077
Lincoln Benefit Life	Saver's Index Annuity Plus High-Band	5		1.50	100.00	$1,077
Lincoln Benefit Life	Saver's Index Annuity Plus (ROP) Low-Band	5		1.50	100.00	$1,077
Lincoln Benefit Life	Saver's Index Annuity Plus (ROP) High-Band	5		1.50	100.00	$1,077
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.25	100.00	$1,064
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.25	100.00	$1,064
Amer. General Life Ins. Co.	VisionAdvantage 5 [MVA]	5		2.00	90.00	$ 994
North American Company	Formula Choice [TSA, MVA, LOAN]	5
Surrender Charges Last 6 Years
Lincoln Financial Group	Lincoln New Directions 6 Low-Band [MVA]	6		1.75	100.00	$1,110
Lincoln Financial Group	Lincoln New Directions 6 High-Band [MVA]	6		1.75	100.00	$1,110
Amer. General Life Ins. Co.	AG Global 6 Index Annuity	6		2.00	90.00	$1,014
American National Ins. Co.	ANICO FEIA wo ROP	6					03/01/10
American National Ins. Co.	ANICO FEIA - ROP	6					03/01/10
Surrender Charges Last 7 Years
Lincoln Financial Group	Lincoln OptiChoice 7 Low-Band [MVA]	7		1.50	100.00	$1,110
Lincoln Financial Group	Lincoln OptiChoice 7 High-Band [MVA]	7		1.50	100.00	$1,110
Lincoln Benefit Life	Savers Index I Low-Band	7		3.00	90.00	$1,107
Lincoln Benefit Life	Savers Index I High-Band	7		3.00	90.00	$1,107
Lincoln Benefit Life	Savers Index I (ROP) Low-Band	7		3.00	90.00	$1,107
Lincoln Benefit Life	Savers Index I (ROP) High-Band	7		3.00	90.00	$1,107
ING USA Annuity and Life	ING Secure Index Seven Low-Band	7		1.00	100.00	$1,072
ING USA Annuity and Life	ING Secure Index Seven High-Band	7		1.00	100.00	$1,072
Amer. General Life Ins. Co.	VisionAdvantage 7 [MVA]	7		2.00	90.00	$1,034
American National Ins. Co.	Value Lock 7 [MVA]	7		1.75	90.00	$1,016	03/01/10
American National Ins. Co.	ANICO Strategy Indexed Annuity 7	7		1.00	90.00	$ 965
Minnesota Life	SecureLink Annuity	7					02/06/10
Surrender Charges Last 8 Years
Lincoln Financial Group	Lincoln New Directions 8 Low-Band [MVA]	8		2.00	100.00	$1,172
Lincoln Financial Group	Lincoln New Directions 8 High-Band [MVA]	8		2.00	100.00	$1,172
Lincoln Financial Group	Lincoln OptiPoint 8 High-Band [MVA]	8	3.00	1.60	100.00	$1,169
Lincoln Financial Group	Lincoln OptiPoint 8 Low-Band [MVA]	8	2.00	1.60	100.00	$1,158
Amer. General Life Ins. Co.	AG Global 8 Index Annuity	8		2.00	90.00	$1,054
Surrender Charges Last 9 Years
Lincoln Financial Group	Lincoln OptiChoice 9 Low-Band [MVA]	9		1.75	100.00	$1,169
Lincoln Financial Group	Lincoln OptiChoice 9 High-Band [MVA]	9		1.75	100.00	$1,169
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 9 [MVA]	9	4.00	2.00	90.00	$1,119
ING USA Annuity and Life	ING Envoy Six Fixed Index Annuity Low-Band [MVA]	9		1.00	100.00	$1,094
ING USA Annuity and Life	ING Envoy Six Fixed Index Annuity High-Band [MVA]	9		1.00	100.00	$1,094
ING USA Annuity and Life	ING Envoy Nine Fixed Index Annuity Low-Band [MVA]	9		1.00	100.00	$1,094
ING USA Annuity and Life	ING Envoy Nine Fixed Index Annuity High-Band [MVA]	9		1.00	100.00	$1,094
Amer. General Life Ins. Co.	VisionAdvantage 9 [MVA]	9		2.00	90.00	$1,076
Surrender Charges Last 10 Years
North American Company	North American Ten [LOAN]	10	10.00	3.00	100.00	$1,478
Amer. General Life Ins. Co.	AG Global Bonus Index Annuity [MVA]	10	5.00	2.00	100.00	$1,280
Lincoln Financial Group	Lincoln OptiPoint 10 High-Band [MVA]	10	4.00	1.80	100.00	$1,243
Lincoln Financial Group	Lincoln OptiPoint 10 Low-Band [MVA]	10	3.00	1.80	100.00	$1,231
Lincoln Benefit Life	Savers Index III Low-Band	10		3.00	90.00	$1,210
Lincoln Benefit Life	Savers Index III High-Band	10		3.00	90.00	$1,210
Lincoln Benefit Life	Savers Index III (ROP) Low-Band	10		3.00	90.00	$1,210
Lincoln Benefit Life	Savers Index III (ROP) High-Band	10		3.00	90.00	$1,210
Lincoln Benefit Life	Saver's Index Annuity Premier Low-Band	10	3.00	1.50	100.00	$1,195
Lincoln Benefit Life	Saver's Index Annuity Premier High-Band	10	3.00	1.50	100.00	$1,195

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