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Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Featured Products
Surrender Charges Last 12 Years
Annexus (Aviva Life & Annuity) Balance Allocation Annuity 12	12 yrs	76		1.50%	87.50%	$1,046	08/06/10	0-76: 7.50+ see notes
	Option Index Declared Declared Rate Fee Allocation Option A 50.00% 50.00% 1.50% 2.95 Allocation Option B 40.00% 60.00% 1.50% 2.45 Allocation Option C 30.00% 70.00% 1.50%
Annexus (Aviva Life & Annuity) Balance Allocation Annuity 12 - 8% Bonus	12 yrs	76	8.00%	1.50%	87.50%	$1,130	08/06/10	0-76: 7.50+ see notes
	Option Index Declared Declared Rate Fee Allocation Option A 50.00% 50.00% 1.50% 2.95 Allocation Option B 40.00% 60.00% 1.50% 2.45 Allocation Option C 30.00% 70.00% 1.50%
Surrender Charges Last 8 Years
Annexus (Aviva Life & Annuity) Balance Allocation Annuity 8	8 yrs	80		1.50%	87.50%	$ 986	08/06/10	0-75: 6.00+ 76-80: 4.50+ see notes
	Option Index Declared Declared Rate Fee Allocation Option A 45.00% 55.00% 1.50% 2.95 Allocation Option B 35.00% 65.00% 1.50% 2.45 Allocation Option C 25.00% 75.00% 1.50% 1.00
Annexus (Aviva Life & Annuity) Balance Allocation Annuity 8 - 5% Bonus	8 yrs	80	5.00%	1.50%	87.50%	$1,035	08/06/10	0-74: 6.00+ 75-80: 4.50+ see notes
	Option Index Declared Declared Rate Fee Allocation Option A 45.00% 55.00% 1.50% 2.95 Allocation Option B 35.00% 65.00% 1.50% 2.45 Allocation Option C 25.00% 75.00% 1.50% 1.00
Annexus (Aviva Life & Annuity) Balance Allocation Annuity 8S	8 yrs	80		1.50%	87.50%	$ 986	08/06/10	0-75: 6.00+ 76-80: 4.50+ see notes
	Option Index Declared Declared Rate Fee Allocation Option A 45.00% 55.00% 1.50% 2.95 Allocation Option B 35.00% 65.00% 1.50% 2.45 Allocation Option C 25.00% 75.00% 1.50% 1.00
Annexus (Aviva Life & Annuity) Balance Allocation Annuity 8S - 5% Bonus	8 yrs	80	5.00%	1.50%	87.50%	$1,035	08/06/10	0-75: 6.00+ 76-80: 4.50+ see notes
	Option Index Declared Declared Rate Fee Allocation Option A 45.00% 55.00% 1.50% 2.95 Allocation Option B 35.00% 65.00% 1.50% 2.45 Allocation Option C 25.00% 75.00% 1.50% 1.00

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%	84.00%		07/20/10	0-75: 8.20+ 76-80: 6.15+ see notes
	Fixed @ 3.30% S&P 500 Monthly Point-to-Point 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 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%	84.00%		07/20/10	0-75: 6.00+ 76-80: 4.50+ see notes
	Fixed Value @ 2.70% 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Average PR 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
Americo Ultimate One Index 9 Bonus (PA)	14 yrs	(NQ)	4.00%	2.00%	100%	$1,372	08/01/10
	Fixed @ 2.50% S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Averaging w/ Participation S&P 500 Monthly Averaging w/ Cap
North American Company Charter 14	14 yrs	75	10.00%	1.10%	87.50%	$1,122	09/01/10	0-75: 7.50+ see notes
	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	0-75: 5.50+ see notes
	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	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 @ 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	0-75: 5.50+ see notes
	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	0-75: 5.50+ see notes
	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	0-75: 7.50+ see notes
	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	0-75: 7.50+ see notes
	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. Equity Investment Life Ins. Co. Bonus 5 (INDEX-3-07-WA)	12 yrs	(NQ)	5.00%				07/20/10	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 @ 2.70%
Amer. Equity Investment Life Ins. Co. Income Gold (Index 3-07)	12 yrs	80	5.00%	3.00%	87.50%		07/20/10	0-75: 5.63+ 76-80: 4.22+ see notes
	Fixed Account @ 2.70% 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap 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 Lehman U.S. Aggregate Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap
Annexus (Aviva Life & Annuity) BPASelect 12	12 yrs	76		2.25%	100%	$1,306	08/06/10	0-75: 7.50+ 76-80: 4.50+ see notes
	Option Index Declared Declared Rate Fee Allocation Option A 60.00% 40.00% 1.50% 2.95 Allocation Option B 50.00% 50.00% 1.50% 2.25 Allocation Option C 40.00% 60.00% 1.50% 1.50 Allocation Option D 30.00% 70.00% 1.50% 0.00
Annexus (Aviva Life & Annuity) BPASelect 12 – 8% Bonus	12 yrs	76	8.00%	2.25%	100%	$1,411	08/06/10	0-75: 7.50+ 76-UP: 4.50+ see notes
	Option Index Declared Declared Rate Fee Allocation Option A 60.00% 40.00% 1.50% 2.95 Allocation Option B 50.00% 50.00% 1.50% 2.25 Allocation Option C 40.00% 60.00% 1.50% 1.50 Allocation Option D 30.00% 70.00% 1.50% 0.00
Lincoln Financial Group Lincoln OptiPoint 12 -Low	12 yrs	75	4.00%	2.00%	100%	$1,319	09/01/10	0-75: 4.00 see notes
	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	0-75: 4.00 see notes
	Fixed @ 2.10% 2-Year Point to Point 2-Year Monthly Cap Performance Triggered
RBC Insurance RBC Enhanced Choice 12 SPDA	12 yrs	85	5.00%	1.00%	87.50%	$1,035	09/01/10	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Fixed Account @ 1.05% 1-Year DJIA Quarterly Additive Point-to-Point Cap 1-Year DJIA Monthly Average Cap 1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point Cap
Surrender Charges Last 10 Years
Aviva Life & Annuity MultiChoice Advantage -High	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-79: 5.50+ see notes
	Fixed Strategy @ 2.25%
Aviva Life and Annuity Income Preferred Ultra -High	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed Strategy @ 2.25%
Aviva Life & Annuity MultiChoice Advantage -Low	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-79: 5.50+ see notes
	Fixed Strategy @ 1.65%
Aviva Life and Annuity Income Preferred Ultra -Low	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed Strategy @ 1.65%
American National Ins. Co. Value Lock 10	10 yrs	80		1.75%	90.00%	$1,071	09/01/10	0-75: 10.00 76-80: 8.00
	S&P 500 10 Year Point-to-Point
Amer. Equity Investment Life Ins. Co. 10/10 Gold (Index 6-05)	10 yrs	80	1.20%	3.00%	87.50%		07/20/10	0-75: 6.00+ 76-UP: 4.50+ see notes
	Fixed @ 3.00% 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point 1-Year Lehman Bros. US Aggregate Point-to-Point
Amer. Equity Investment Life Ins. Co. Advantage Gold	10 yrs	80	5.00%	3.00%	84.00%		07/20/10	see notes
	Traditional Fixed Value @ 2.60% 1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Point-to-Point Cap 1 Year Lehman Brothers U.S. Aggregate Point-to-Point
Amer. Equity Investment Life Ins. Co. Retirement Gold (RG-FIA-09)	10 yrs	(NQ)	6.00%	2.25%	87.50%		07/20/10	0-78: 5.25+ see notes
	Fixed @ 2.50% S&P 500 Monthly Average w/ Participation S&P500 Monthly Average w/ Cap S&P 500 Point-to-Point w/ Participation S&P500 Point-to-Point w/ Cap S&P500 Monthly Cap
American National Ins. Co. ANICO Strategy Indexed Annuity 10	10 yrs	85		1.00%	100%	$1,105	09/01/10	see notes
	Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Point-to-Point
Americo Elite Provider	10 yrs	85		1.10%	100%	$1,116	08/01/10
	Fixed @ 2.75% 1 - Year S&P 500 Monthly Averaging Capped 1 - Year S&P 500 Point to Point Uncapped 1 - Year S&P 500 Point to Point Capped
Americo Future Provider	10 yrs	0 (NQ)		2.00%	100%	$1,219	08/01/10	0-80: 8.25 81-85: 6.50 86-90: 3.00
	Fixed @ 2.75% S&P 500 Point-to-Point No Cap S&P 500 Point-to-Point with Cap S&P 500 Point-to-Point The EZ Option S&P 500 Monthly Averaging Nasdaq 100 Point-to-Point No Cap
Americo Future Provider Bonus	10 yrs	(NQ)	4.00%	2.00%	100%	$1,268	08/01/10	0-80: 6.25 81-85: 5.00
	Fixed @ 2.50% S&P 500 Point-to-Point No Cap S&P 500 Point-to-Point with Cap S&P 500 Point-to-Point EZ Option S&P 500 Monthly Averaging Nasdaq 100 Point-to-Point
Annexus (Aviva Life & Annuity) BPASelect 10	10 yrs	78		2.25%	100%	$1,249	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Option Index Declared Declared Rate Fee Allocation Option C 30.00% 70.00% 1.50% 1.75 Allocation Option A 50.00% 50.00% 1.50% 3.50 Allocation Option B 40.00% 60.00% 1.50% 2.50
Annexus (Aviva Life & Annuity) BPASelect 10 – 8% Bonus	10 yrs	78	8.00%	2.25%	100%	$1,349	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Option Index Declared Declared Rate Fee Allocation Option A 50.00% 50.00% 1.50% 3.50 Allocation Option B 40.00% 60.00% 1.50% 2.50 Allocation Option C 30.00% 70.00% 1.50% 1.75
Aviva Life & Annuity MultiChoice Income Elite -Low	10 yrs	78		1.00%	100%	$1,105	08/06/10	0-75: 5.00+ 76-78: 3.00+ see notes
	Fixed Strategy @ 2.40% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Elite -High	10 yrs	78		1.00%	100%	$1,105	08/06/10	0-75: 5.00+ 76-78: 3.00+ see notes
	1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®) 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy Fixed Strategy @ 3.20% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Plus -Low	10 yrs	78	5.00%	1.00%	100%	$1,160	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Plus -High	10 yrs	78	5.00%	1.00%	100%	$1,160	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed Strategy @ 2.20% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Plus S -Low	10 yrs	78	5.00%	1.00%	100%	$1,160	08/06/10	0-75: 6.00+ 76-78: 4.00+ see notes
	Fixed Strategy @ 2.00% 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Plus S -High	10 yrs	78	5.00%	1.00%	100%	$1,160	08/06/10	0-75: 6.00+ 76-78: 4.00+ see notes
	1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Ten -Low	10 yrs	78		1.00%	100%	$1,105	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Ten -High	10 yrs	78		1.00%	100%	$1,105	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed Strategy @ 2.40% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Xtra -Low	10 yrs	78	8.00%	1.00%	100%	$1,193	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	1-Year Fixed Strategy @ 2.00% 1-Year Average Index Strategy (no spread) 1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy (no cap) 1-Year Multiple Index Strategy (no spread) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Xtra -High	10 yrs	78	8.00%	1.00%	100%	$1,193	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy (no cap) 1-Year Average Index Strategy (no spread) 1-Year Fixed Strategy @ 2.15% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Multiple Index Strategy (no spread)
Aviva Life & Annuity MultiChoice Ten -Low	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-79: 5.50+ see notes
	Fixed Strategy @ 1.65% 1-Year Point-to-Point S&P 500 Index 1-Year Monthly Cap Index 1-Year Average Index Strategy
Aviva Life & Annuity MultiChoice Ten -High	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-79: 5.50+ see notes
	1-Year Point-to-Point S&P 500 Index Fixed Strategy @ 2.45% 1-Year Monthly Cap Index 1-Year Average Index Strategy
Aviva Life & Annuity MultiChoice Xtra -Low	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 1.65% 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point 1-Year Average Index Strategy
Aviva Life & Annuity MultiChoice Xtra -High	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 2.20% 1-Year Average Index Strategy 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Cap
Aviva Life & Annuity MultiChoice Xtra (S) -Low	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 1.55% 1-Year Point-to-Point S&P 500 Index 1-Year Monthly Cap Index 1-Year Average Index Strategy
Aviva Life & Annuity MultiChoice Xtra (S) -High	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	1-Year Point-to-Point S&P 500 Index 1-Year Monthly Cap Index 1-Year Average Index Strategy Fixed Strategy @ 1.55%
Aviva Life and Annuity Income Preferred Bonus -Low	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 1.65% 1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life and Annuity Income Preferred Bonus -High	10 yrs	78	8.00%	1.00%	87.50%	$1,044	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 2.20% 1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Average Index Strategy
Aviva Life and Annuity Income Preferred Ten -Low	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed @ 1.65% 1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life and Annuity Income Preferred Ten -High	10 yrs	78		1.00%	87.50%	$ 967	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed @ 2.45% 1-Year Monthly Cap Index Strategy 1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life and Annuity Income Select 10 -Low	10 yrs	78		2.75%	87.50%	$1,148	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed @ 2.00% 1-Year S&P500 Point-to-Point 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation 1-Year Point-to-Point DJ EUROSTOXX 50 1-Year Point-to-Point Hang Seng
Aviva Life and Annuity Income Select 10 -High	10 yrs	78		2.75%	87.50%	$1,148	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed @ 2.40% 1-Year S&P500 Point-to-Point 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation 1-Year Point-to-Point Hang Seng 1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life and Annuity Income Select Bonus -Low	10 yrs	78	8.00%	1.00%	100%	$1,193	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 2.00% 1-Year Multiple Index Strategy 1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life and Annuity Income Select Bonus -High	10 yrs	78	8.00%	1.00%	100%	$1,193	08/06/10	0-75: 7.00+ 76-78: 5.00+ see notes
	Fixed Strategy @ 2.15% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy 1-Year Multiple Index Strategy
Aviva Life and Annuity Income Select Platinum -Low	10 yrs	78		2.75%	87.50%	$1,148	08/06/10	0-75: 5.00+ 76-78: 3.00+ see notes
	1-Year Fixed @ 2.40% 1-Year S&P 500 Point-to-Point Participation Index 1-Year Point-to-Point Index S&P 500 1-Year Point to Point Guaranteed Cap Index Strategy 1 - Year Point to Point Hang Seng Index 1-Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life and Annuity Income Select Platinum -High	10 yrs	78		2.75%	87.50%	$1,148	08/06/10	0-75: 5.00+ 76-78: 3.00+ see notes
	1-Year S&P 500 Point-to-Point Participation Index 1-Year Point-to-Point Index S&P 500 1-Year Point to Point Guaranteed Cap Index Strategy 1-Year Fixed @ 3.20% 1-Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity Income Select Plus -Low	10 yrs	78	5.00%	2.75%	87.50%	$1,205	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed @ 2.00% 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point w/ Participation 1 - Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity Income Select Plus -High	10 yrs	78	5.00%	2.75%	87.50%	$1,205	08/06/10	0-75: 7.50+ 76-78: 5.50+ see notes
	1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point w/ Participation Fixed @ 2.20% 1 - Year Point to Point Hang Seng Index 1 - Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life and Annuity Income Select Plus S -Low	10 yrs	78	5.00%	2.75%	87.50%	$1,205	08/06/10	0-75: 6.00+ 76-78: 4.00+ see notes
	Fixed @ 2.00% 1 - Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index 1-Year S&P 500 Point-to-Point w/ Participation 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap
Aviva Life and Annuity Income Select Plus S -High	10 yrs	78	5.00%	2.75%	87.50%	$1,205	08/06/10	0-75: 6.00+ 76-78: 4.00+ see notes
	Fixed @ 2.00% 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation 1 - Year Point to Point Hang Seng Index 1 - Year Point to Point Dow Jones EUROSTOXX 50
Lincoln Benefit Life Saver's Index Annuity Premier -Low	10 yrs	85	3.00%	1.50%	100%	$1,195	08/30/10	0-75: 3.45+ 76-85: 2.40+ see notes
	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	0-75: 3.45+ 76-85: 2.40+ see notes
	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	0-75: 3.45+ 76-90: 2.40+ see notes
	Option 1 Account B
Lincoln Benefit Life Savers Index III -High	10 yrs	85 (NQ)		3.00%	90.00%	$1,210	08/30/10	0-75: 3.45+ 76-90: 2.40+ see notes
	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	0-75: 3.50 76-80: 2.37 see notes
	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	0-75: 3.50 76-80: 2.37 see notes
	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	0-75: 7.50+ 76-79: 5.63+ see notes
	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	0-75: 5.50+ 76-79: 4.13+ see notes
	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	0-75: 5.50+ 76-79: 4.13+ see notes
	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	0-75: 5.50+ 76-79: 4.13+ see notes
	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	0-75: 5.50+ 76-79: 4.13+ see notes
	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	0-75: 6.50+ 76-79: 4.88+ see notes
	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	0-75: 7.50+ 76-79: 5.63+ see notes
	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	0-75: 6.50+ 76-79: 4.88+ see notes
	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	0-75: 6.50+ 76-79: 4.88+ see notes
	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	0-75: 7.50+ 76-79: 5.63+ see notes
	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
RBC Insurance RBC Choice 10 SPDA	10 yrs	85		1.00%	87.50%	$ 967	09/01/10	0-75: 10.00+ 76-80: 8.00+ 81-85: 6.00+ see notes
	1-Year Fixed Account @ 2.05% 1 Year S&P 500 Annual Point to Point Cap 1 Year S&P 500 Monthly Additive Point to Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Cap 1-Year DJIA Monthly Average Cap
RBC Insurance RBC Enhanced Choice 10 SPDA	10 yrs	85	5.00%	1.00%	87.50%	$1,015	09/01/10	0-75: 7.00+ 76-79: 5.00+ 80-85: 3.00+ see notes
	Fixed Account @ 1.05% 1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account 1-Year DJIA Monthly Average Indexed Account
Reliance Standard Life Keystone 10 Index Annuity	10 yrs	85		1.15%	87.50%	$ 981	09/02/10	0-80: 8.00 81-85: 4.80
	Fixed Interest Strategy @ 2.95% 1-Year Point-to-Point - Capped 1-Year Point-to-Point - Participation Rate 1-Year Monthly Average - Capped 1-Year Monthly Average - Participation Rate
Surrender Charges Last 9 Years
Americo Ultimate One Index 9	9 yrs	(NQ)		2.00%	100%	$1,195	08/01/10	0-80: 9.00 81-85: 7.00 see notes
	Point-to-Point with Participation Rate Point-to-Point with Cap Monthly Averaging with Participation Rate Monthly Averaging with Cap Fixed @ 3.00%
Americo Ultimate One Index 9 Bonus	9 yrs	(NQ)	4.00%	2.00%	100%	$1,243	08/01/10
	Fixed @ 2.50% S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Averaging w/ Participation S&P 500 Monthly Averaging w/ Cap
Lincoln Financial Group Lincoln OptiChoice 9 -Low	9 yrs	80		1.75%	100%	$1,169	09/01/10	0-75: 7.00+ 76-80: 5.25+ see notes
	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	0-75: 7.00+ 76-80: 5.25+ see notes
	1-Year Monthly Cap 1-Year Monthly Average 1-Year Point-to-Point Fixed @ 2.05%
Surrender Charges Last 8 Years
Lincoln Financial Group Lincoln New Directions 8 -Low	8 yrs	85		2.00%	100%	$1,172	09/01/10	0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ see notes
	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	0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ see notes
	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	0-75: 3.00 76-80: 2.00 81-85: 1.00 see notes
	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	0-75: 3.00 76-80: 2.00 81-85: 1.00 see notes
	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	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	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	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	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	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	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	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	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
RBC Insurance RBC Enhanced Choice 8 SPDA	8 yrs	85	2.00%	1.00%	87.50%	$ 966	09/01/10	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.50+ see notes
	Fixed Account @ 1.05% 1-Year S&P 500 Annual Point-to-Point Cap 1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account 1-Year DJIA Monthly Average Indexed Account
Surrender Charges Last 7 Years
American National Ins. Co. Value Lock 7	7 yrs	80		1.75%	90.00%	$1,016	09/01/10	0-75: 6.00 76-80: 4.00
	S&P 500 7 Year Point-to-Point
American National Ins. Co. ANICO Strategy Indexed Annuity 7	7 yrs	85		1.00%	90.00%	$ 965	09/01/10	see notes
	Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Annual Point-to-Point
Americo Ultimate One Index 7	7 yrs	(NQ)		1.50%	100%	$1,110	08/01/10	0-80: 7.00 81-85: 5.00 see notes
	Fixed @ 2.75% Monthly Averaging with Cap Point-to-Point with Participation Point-to-Point with Cap Monthly Averaging with Participation Rate
Aviva Life & Annuity MultiChoice Income Seven -Low	7 yrs	81		1.00%	100%	$1,072	08/06/10	0-75: 4.00+ 76-80: 2.75+ 81-81: 2.75+ see notes
	1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Seven -High	7 yrs	81		1.00%	100%	$1,072	08/06/10	0-75: 4.00+ 76-80: 2.75+ 81-81: 2.75+ see notes
	Fixed Strategy @ 2.35% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life and Annuity Income Select 7 -Low	7 yrs	81		2.75%	87.50%	$1,058	08/06/10	0-75: 4.00+ 76-80: 2.75+ 81-81: 2.75+ see notes
	Fixed @ 2.00% 1-Year DJ EUROSTOXX 50 Point-to-Point 1-Year Hang Seng Point-to-Point 1 Year S&P500 Point-to-Point 1 Year S&P500 Point-to-Point w/ Participation 1-Year S&P500 Monthly Cap
Aviva Life and Annuity Income Select 7 -High	7 yrs	81		2.75%	87.50%	$1,058	08/06/10	0-75: 4.00+ 76-80: 2.75+ 81-81: 2.75+ see notes
	Fixed @ 2.40% 1-Year S&P500 Monthly Cap 1 Year S&P500 Point-to-Point w/ Participation 1 Year S&P500 Point-to-Point 1-Year Hang Seng Point-to-Point 1-Year DJ EUROSTOXX 50 Point-to-Point
Lincoln Benefit Life Savers Index I -Low	7 yrs	75 (NQ)		3.00%	90.00%	$1,107	08/30/10	0-75: 3.45 76-90: 2.40 see notes
	Option 2 Option 1
Lincoln Benefit Life Savers Index I -High	7 yrs	75 (NQ)		3.00%	90.00%	$1,107	08/30/10	0-75: 3.45 76-90: 2.40 see notes
	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	0-75: 3.45 76-90: 2.40 see notes
	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	0-75: 3.45 76-90: 2.40 see notes
	Option 1 Option 2
Lincoln Financial Group Lincoln OptiChoice 7 -Low	7 yrs	85		1.50%	100%	$1,110	09/01/10	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	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	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	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	0-75: 7.50+ 76-80: 5.63+ 81-85: 3.75+ see notes
	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	0-75: 7.50+ 76-80: 0.56+ 81-85: 3.75+ see notes
	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	0-75: 7.50+ 76-80: 5.63+ 81-85: 3.75+ see notes
	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
Reliance Standard Life Keystone 7 Index Annuity	7 yrs	85		1.15%	87.50%	$ 948	09/02/10	0-80: 5.00 81-85: 3.00
	Fixed Interest Strategy @ 2.85% 1-Year Point-to-Point - Capped 1-Year Point-to-Point - Participation Rate 1-Year Monthly Average - Capped 1-Year Monthly Average - Participation Rate
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	0-79: 5.00 80-85: 3.00
	Performance Triggered
Amer. Equity Investment Life Ins. Co. Integrity Gold (Index 5-07)	6 yrs	80		3.00%	87.50%		07/20/10	0-75: 4.13+ 76-80: 3.09+ see notes
	Fixed @ 2.70% 1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap 1-Year Lehman U.S. Aggregate Point-to-Point 1-Year S&P 500 Point-to-Point PR 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 1-Year S&P 500 Monthly Point-to-Point
Aviva Life & Annuity MultiChoice Six -Low	6 yrs	80		1.00%	87.50%	$ 929	08/06/10	0-75: 5.00+ 76-81: 3.50+ see notes
	Fixed Strategy @ 1.65% 1-Year Point-to-Point S&P 500 Index 1-Year Monthly Cap Index 1-Year Average Index Strategy
Aviva Life & Annuity MultiChoice Six -High	6 yrs	80		1.00%	87.50%	$ 929	08/06/10	0-75: 5.00+ 76-81: 3.50+ see notes
	1-Year Point-to-Point S&P 500 Index 1-Year Monthly Cap Index 1-Year Average Index Strategy Fixed Strategy @ 2.30%
Aviva Life and Annuity Income Preferred Six -Low	6 yrs	80		1.00%	87.50%	$ 929	08/06/10	0-75: 5.00+ 76-80: 3.50+ see notes
	Fixed Strategy @ 1.65% 1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life and Annuity Income Preferred Six -High	6 yrs	80		1.00%	87.50%	$ 929	08/06/10	0-75: 5.00+ 76-80: 3.50+ see notes
	Fixed Strategy @ 2.30% 1-Year Monthly Cap Index Strategy 1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy
Lincoln Financial Group Lincoln New Directions 6 -Low	6 yrs	85		1.75%	100%	$1,110	09/01/10	0-75: 3.50+ 76-80: 2.75+ 81-85: 1.75+ see notes
	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	0-75: 3.50+ 76-80: 2.75+ 81-85: 1.75+ see notes
	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	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	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	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	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	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	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	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	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
Aviva Life & Annuity MultiChoice Income Five -Low	5 yrs	83		1.00%	100%	$1,051	08/06/10	0-75: 3.00+ 76-80: 2.05+ 81-83: 1.95+ see notes
	Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity MultiChoice Income Five -High	5 yrs	83		1.00%	100%	$1,051	08/06/10	0-75: 3.00+ 76-80: 2.05+ 81-83: 1.95+ see notes
	Fixed Strategy @ 2.05% 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life and Annuity Income Select 5 -Low	5 yrs	83		2.75%	87.50%	$1,002	08/06/10	0-75: 3.00+ 76-80: 2.05+ 81-83: 1.95+ see notes
	Fixed @ 2.00% 1-Year S&P 500 Point-to-Point (Participation) 1-Year S&P500 Point-to-Point 1-Year S&P500 Monthly Cap 1-Year DJ EUROSTOXX 50 Point-to-Point 1-Year Hang Seng Point-to-Point
Aviva Life and Annuity Income Select 5 -High	5 yrs	83		2.75%	87.50%	$1,002	08/06/10	0-75: 3.00+ 76-80: 2.05+ 81-83: 1.95+ see notes
	Fixed @ 2.05% 1-Year Hang Seng Point-to-Point 1-Year DJ EUROSTOXX 50 Point-to-Point 1-Year S&P500 Monthly Cap 1-Year S&P500 Point-to-Point 1-Year S&P 500 Point-to-Point (Participation)
Lincoln Benefit Life Saver's Index Annuity Plus -Low	5 yrs	85		1.50%	100%	$1,077	08/30/10	0-75: 3.45 76-85: 2.40 see notes
	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	0-75: 3.45 76-85: 2.40 see notes
	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	0-75: 3.45 76-85: 2.40
	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	0-75: 3.45 76-85: 2.40
	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	0-75: 5.00+ 76-80: 3.75+ 81-85: 2.50+ see notes
	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	0-75: 5.00+ 76-80: 3.75+ 81-85: 2.50+ see notes
	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	0-75: 5.00+ 76-80: 3.75+ 81-85: 2.50+ see notes
	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
Reliance Standard Life Keystone 5 Index Annuity	5 yrs	85		1.15%	87.50%	$ 926	09/02/10	0-80: 4.00 81-85: 2.40
	Fixed Interest Strategy @ 2.75% 1-Year Point-to-Point - Capped 1-Year Point-to-Point - Participation Rate 1-Year Monthly Average - Capped 1-Year Monthly Average - Participation Rate

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