Company / Product Name	AM Best	Years Gtd	Last Change	Base Rate	Bonus Rate	Current Rate	Premium Bonus	Bail Out	Effective Rate	CUR	GTD
Company / Product Name	AM Best	Years Gtd	Last Change	Base Rate	Bonus Rate	Current Rate	Premium Bonus	Bail Out	Effective Rate	Yield to Surrender
Surrender Charges Last 15 Years
American Equity Investment Life Insurance Company Premier Eagle 10 (FPDA-7-08)	A-	1	10/08/11	2.00	0.00	2.00	3.00 to 10.00		12.20	2.20 to 2.65	1.73 to 2.18
National Western Life NWL Future Assurance [LOAN]	A	1	12/01/11	1.00	0.00	1.00	2.00 to 10.00		11.10	1.13 to 1.64	1.13 to 1.64
Surrender Charges Last 14 Years
North American Company North American Flex III [MVA, LOAN]	A+	1	01/19/12	1.85	0.00	1.85	10.00		12.03	2.55	1.75
National Western Life NWL Benefit Assurance [LOAN]	A	1	12/01/11	1.00	0.00	1.00	4.00 to 5.00		6.05	1.28 to 1.35	1.28 to 1.35
Surrender Charges Last 12 Years
American Equity Investment Life Insurance Company FPDA-10 (MVA) [MVA]	A-	1	10/08/11	2.25	0.00	2.25	2.00		4.30	2.42	2.42
Surrender Charges Last 10 Years
American Equity Investment Life Insurance Company Premier Eagle 12 (FRG-2-09)	A-	1	10/08/11	1.60	0.00	1.60	9.00		10.74	2.48	1.93
American General Life Insurance Company AG HorizonMYG (CA)	A	6	01/30/12	2.00	4.00	6.00				2.39	2.39
American General Life Insurance Company AG HorizonMYG (CA)	Next Rate:		02/06/12	2.00	4.00	6.00				2.39	2.39
North American Company North American Flex II [MVA, LOAN]	A+	1	01/19/12	1.80	0.00	1.80	5.00		6.89	2.30	1.57
American National Insurance Company Palladium Century 7	A	1	02/01/12	1.55	7.00	8.55				2.23	1.73
North American Company Boomer Annuity [MVA, LOAN]	A+	1	01/19/12	1.65	0.00	1.65	5.00		6.73	2.15	1.56
Aviva Life & Annuity (MultiChoice Series) Freedom Plus (1-Year) High-Band	A	1	01/06/12	1.55	0.00	1.55	2.00 to 5.00		6.63	1.75 to 2.05	1.26 to 1.55
American National Insurance Company Palladium Century 5	A	1	02/01/12	1.55	5.00	6.55				2.04	1.54
Aviva Life & Annuity (Income Series) Income Select Spirit Bonus (1-Year) High-Band	A	1	01/06/12	1.60	0.00	1.60	4.00		5.66	2.00	1.46
Aviva Life & Annuity (MultiChoice Series) Freedom Xtra (1-Year) High-Band	A	1	01/06/12	1.60	0.00	1.60	4.00		5.66	2.00	1.46
American National Insurance Company Palladium Century 3	A	1	02/01/12	1.55	3.00	4.55				1.85	1.35
Aviva Life & Annuity (Income Series) Income Select Spirit Plus High-Band	A	1	01/06/12	1.55	0.00	1.55	2.00		3.58	1.75	1.26
Aviva Life & Annuity (Income Series) Income Select Spirit Plus S High-Band	A	1	01/06/12	1.25	0.00	1.25	2.00 to 5.00		6.31	1.45 to 1.75	1.23 to 1.52
Aviva Life & Annuity (MultiChoice Series) Freedom Plus (1-Year) S High-Band	A	1	01/06/12	1.25	0.00	1.25	2.00 to 5.00		6.31	1.45 to 1.75	1.23 to 1.52

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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