MYGA Detail Sheet

State - AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Premium Qual Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR Company - Any - Allianz Life Ins. Co. of North America Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. Amer. National Ins. (Legacy) American National Ins. Co. Aviva Life & Annuity (Income Series) Aviva Life & Annuity (MultiChoice Series) EquiTrust Life Ins. Co. F&G Life (Legacy) Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York First Symetra Nat’l Life Ins Co of NY Forethought Financial Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. Guaranty Income Life ING Annuity and Asset Sales Lincoln Benefit Life Lincoln Financial Group National Western Life North American Company Phoenix Life Insurance Co. Presidential Life Reliance Standard Life ReliaStar Life Ins. Co. Sagicor Life Insurance Co. SBLI -Savings Bank Life Ins. of MA Symetra Life Insurance Co. The Standard Rate Gtd - 1 yr 2 yrs 3 yrs 4 yrs 5 yrs 6 yrs 7 yrs 8 yrs 9 yrs 10 yrs 11 yrs 12 yrs 13 yrs 14 yrs 15 yrs Age Comm %

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 10 Years
North American Company Guarantee Choice 10 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (10 years): 10 10 10 10 10 9 8 6 4 2 For states CA (10 years): 10 10 9 9 8 8 7 7 6 6 For states FL, IL (10 years): 9 8 7 6 5 4 3 2 1 0.75 For states TX (10 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0.5			Rate Changed: 01/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.4 1.00 3.40 3.40
EquiTrust Life Insurance Company Certainty 10	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  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: IN MN	0-80: 3.00+ 81-90: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.5 8 7.5 7 6.5 6 5.5 5 4.5	Rate Changed: 01/23/12
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.25 2.00 3.25 3.25
EquiTrust Life Insurance Company Certainty Select 10	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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: IN MN NY OR PR UT VI WA	0-80: 3.00 81-90: 2.25 see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 9 9 8 8 7 7 6 5 For states AK, SC, TX (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1			Rate Changed: 01/23/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.25 1.00 3.25 3.25
North American Company Guarantee Choice 10 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (10 years): 10 10 10 10 10 9 8 6 4 2 For states CA (10 years): 10 10 9 9 8 8 7 7 6 6 For states FL, IL (10 years): 9 8 7 6 5 4 3 2 1 0.75 For states TX (10 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0.5			Rate Changed: 01/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.25 1.00 3.25 3.25
ReliaStar Life Insurance Company ING MVA Annuity 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	Yes-Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK AL IN MA MD MN NJ NY OR PA PR SC VI VT WA	Qualified 0-75: 5.75 76-90: 2.87 Non-Qual 0-75: 5.30 76-90: 2.65
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 7 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3 3.00 3.00 3.00
ReliaStar Life Insurance Company ING MVA Annuity 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	Yes-Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK AL IN MA MD MN NJ NY OR PA PR SC VI VT WA	Qualified 0-75: 5.75 76-90: 2.87 Non-Qual 0-75: 5.30 76-90: 2.65
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 7 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3 3.00 3.00 3.00
ReliaStar Life Insurance Company ING MVA Annuity 10 Mid-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 35,000 Monthly: 35,000 Qualified Single: 35,000 Monthly: 35,000	Yes-Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK AL IN MA MD MN NJ NY OR PA PR SC VI VT WA	Qualified 0-75: 5.75 76-90: 2.87 Non-Qual 0-75: 5.30 76-90: 2.65
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 7 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3 3.00 3.00 3.00
American National Insurance Company Palladium MYG Annuity 9 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 3.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 9 Yield to SurrenderTM Current Guarant'd 9 Year MYGA with Bonus 9 Years 2% 4.45 2.45 2.67 2.67
American National Insurance Company Palladium MYG Annuity 10 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 3.55 2.55 2.65 2.65
American National Insurance Company Palladium MYG Annuity 8 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.65 1.00-1.50 2.65 2.65
American National Insurance Company Palladium MYG Annuity 9 Low-Band	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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 3.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 9 Yield to SurrenderTM Current Guarant'd 9 Year MYGA with Bonus 9 Years 2% 4.35 2.35 2.57 2.57
American National Insurance Company Palladium MYG Annuity 10 Low-Band	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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 3.45 2.45 2.55 2.55
American National Insurance Company Palladium MYG Annuity 8 Low-Band	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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.55 1.00-1.50 2.55 2.55
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.45 1.00 2.45 2.45
American General Life Insurance Company AG HorizonSelect 10	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- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK DE MN MO NJ NV NY OH OR PA PR SC TX UT VI WA	0-80: 4.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 02/06/12
	Guaranteed Minimum Value:		90% of Premium at 1.00-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.35 1.00-2.00 2.35 2.35
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.3 1.00 2.30 2.30
American National Insurance Company Palladium MYG Annuity 7 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 3.15 2.15 2.29 2.29
American National Insurance Company Palladium MYG Annuity 7 Low-Band	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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 3.05 2.05 2.19 2.19
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA) MVA - WA	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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: WA	0-75: 3.00 76-80: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.25 7.25 6.5 5.5 4.5 3.5 2.5 1.5 0.75	Rate Changed: 02/07/12
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 2.1 2.00 2.10 2.10
American General Life Insurance Company AG HorizonSecure 7	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- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK NY PR TX UT VI	0-80: 4.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OK, OR, PA, RI, SC, SD, TN, VA, VT, WA, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states NV, OH (9 years): 9 8 7 6 5 4 3 2 1			Rate Changed: 02/06/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.1 1.00-2.00 2.10 2.10

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
American General Life Insurance Company AG HorizonSelect 7	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- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK MN MO NJ NY OH OR PA PR UT VI WA	0-80: 4.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states DE, NV (9 years): 9 8 7 6 5 4 3 2 1			Rate Changed: 02/06/12
	Guaranteed Minimum Value:		90% of Premium at 1.00-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.1 1.00-2.00 2.10 2.10
ING Annuity and Asset Sales Guarantee Choice 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 3.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 01/18/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 3 2.00 2.10 2.10
American General Life Insurance Company AG Horizon Achiever	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK MN MO NJ NY OH OR PA PR UT VI WA	0-80: 3.00+ 81-85: 2.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, RI, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states DE, NV (9 years): 9 8 7 6 5 4 3 2 1			Rate Changed: 02/06/12
	Guaranteed Minimum Value:		90% of Premium at 1.00-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2.05 1.00-2.00 2.05 2.05
Allianz Life Insurance Company of North America Dominator Plus 10 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN MO NY OR PR VI	0-75: 4.00 76-80: 3.00 81-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9	Rate Changed: 02/07/12
	Guaranteed Minimum Value:		90% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2 3.00 2.00 2.00
American General Life Insurance Company AG HorizonSelect 5 (CA)	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- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: CA	0-80: 4.00 81-85: 3.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 02/06/12
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 2 2.00 2.00 2.00
ING Annuity and Asset Sales Guarantee Choice 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 3.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 01/18/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2 1.50 2.00 2.00
Allianz Life Insurance Company of North America Dominator Plus 10 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN MO NY OR PR VI	0-75: 4.00 76-80: 3.00 81-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9	Rate Changed: 02/07/12
	Guaranteed Minimum Value:		90% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 1.9 3.00 1.90 1.90
American National Insurance Company Palladium MYG Annuity 6 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.8 1.00-1.50 1.80 1.80
American National Insurance Company Palladium MYG Annuity 6 Low-Band	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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.7 1.00-1.50 1.70 1.70
American General Life Insurance Company AG HorizonSelect 5	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- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK CA MN MO NJ NY OH OR PA PR UT VI WA	0-80: 4.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, RI, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states DE, NV (9 years): 9 8 7 6 5 4 3 2 1			Rate Changed: 02/06/12
	Guaranteed Minimum Value:		90% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 1.55 1.00 1.55 1.55
Allianz Life Insurance Company of North America Dominator Plus 5 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN MO NY OR PR VI	0-75: 3.00 76-80: 2.00 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9	Rate Changed: 02/07/12
	Guaranteed Minimum Value:		90% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 1.5 3.00 1.50 1.50
Allianz Life Insurance Company of North America Dominator Plus 5 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN MO NY OR PR VI	0-75: 3.00 76-80: 2.00 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9	Rate Changed: 02/07/12
	Guaranteed Minimum Value:		90% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 1.5 3.00 1.50 1.50
American General Life Insurance Company AG HorizonSecure 5	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- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK CA NY PR TX UT VI	0-80: 4.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OK, OR, PA, RI, SC, SD, TN, VA, VT, WA, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states NV, OH (9 years): 9 8 7 6 5 4 3 2 1			Rate Changed: 02/06/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 1.5 1.00 1.50 1.50
American National Insurance Company Palladium MYG Annuity 5 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 5 Yield to SurrenderTM Current Guarant'd 5 Year MYGA with Bonus 5 Years 1% 2.1 1.10 1.30 1.30
American National Insurance Company Palladium MYG Annuity 5 Low-Band	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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 5 Yield to SurrenderTM Current Guarant'd 5 Year MYGA with Bonus 5 Years 1% 2 1.00 1.20 1.20
Surrender Charges Last 9 Years
North American Company Guarantee Choice 9 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (9 years): 10 10 10 10 10 9 8 6 4 For states CA (9 years): 10 10 9 9 8 8 7 7 6 For states FL, IL (9 years): 9 8 7 6 5 4 3 2 1 For states TX (9 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5			Rate Changed: 01/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3.3 1.00 3.30 3.30
North American Company Guarantee Choice 9 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (9 years): 10 10 10 10 10 9 8 6 4 For states CA (9 years): 10 10 9 9 8 8 7 7 6 For states FL, IL (9 years): 9 8 7 6 5 4 3 2 1 For states TX (9 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5			Rate Changed: 01/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3.1 1.00 3.10 3.10
The Standard Focused Growth Annuity 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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CA NY PR VI	0-80: 4.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		8 7 6 5 4 3 2 1 0.9	Rate Changed: 01/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.5 1.00 2.50 2.50
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 6 5 4 3 2	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.45 1.00 2.45 2.45
The Standard Focused Growth Annuity 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CA NY PR VI	0-80: 4.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		8 7 6 5 4 3 2 1 0.9	Rate Changed: 01/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.4 1.00 2.40 2.40

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 6 5 4 3 2	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.3 1.00 2.30 2.30
ING Annuity and Asset Sales Guarantee Choice 7 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 2.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 01/18/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 2.5 1.50 1.64 1.64
ING Annuity and Asset Sales Guarantee Choice 7 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care