Indexed Annuity 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 Flex? 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. American National Ins. Co. Aviva Life & Annuity (Income Series) Aviva Life & Annuity (MultiChoice Series) Forethought Financial Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Great Amer. Life Ins. Co. ING Annuity and Asset Sales Jackson National Life Lincoln Benefit Life Lincoln Financial Group Minnesota Life North American Company Reliance Standard Life Symetra Life Insurance Co. The Standard SC yrs - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Age Comm % Product Type - Point to Point High Water Low Water Performance Triggered Inverse Perf Triggered Monthly Crediting Other Averaging - None Daily Monthly Annual Monthly Sum Quarterly Sum Continuous Monthly Reset Period - Policy Length 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years Indicie - DJIA Nasdaq 100 S&P 400 S&P 500 FTSE 100 Russell 2000 10 Year US Treasury DJ EuroStoxx 50 Hang Seng Nikkei 225 3-Month LIBOR Barclays Capital U.S. Aggregat Gold Strategies HFRX Global Hedge Fund iShares Barclays Aggregate Bon iShares MSCI Hong Kong Index LB US Aggregate Bond London Gold PM MSCI All Country World Index S&P GSCI Excess Return Index U.S. 10-Year Swap Rate Products with Riders - Guaranteed Life Income Riders Death Benefit Riders Guaranteed Life with Death Benefit - Any Type of Rider -

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 17 Years
American Equity Investment Life Insurance Company Bonus Gold (Index 1-05) DE	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 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  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE	0-75: 6.00+ 76-80: 4.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 17 years:		20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2
	Guaranteed Minimum Value:		80% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     3.25 10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.25 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 20     1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 20     1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     3.25 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 2.25% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.25
Surrender Charges Last 16 Years
American Equity Investment Life Insurance Company Bonus Gold (Index 1-07)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 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  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN NJ NV NY OK OR PR TX UT VI WA	0-75: 6.00+ 76-80: 4.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Ages 0 to 76 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (16 years): 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2 Ages 0 to 76 in states IN (16 years): 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2 Age 77+ in states IN (16 years): 17.5 16.5 15.5 15 14 13 12.5 11.5 10.5 10 9 7.5 6 4.5 3 1.5
	Guaranteed Minimum Value:		80% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.25 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     3.25 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     3.25 1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 20     Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.75% 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.25 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 20     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80
Surrender Charges Last 14 Years
North American Company Charter 14	Non-Qualified Owner: 75 Annuitant: Qualified Owner: 75 Annuitant:	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 AL CT DE MN NY OR PR TX UT VI WA	0-75: 7.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years): 18 18 17 15 15 15 15 14 12 10 8 6 4 2 For states TX (14 years): 15 15 15 14 13 12 11 10 9 8.5 8 7 6 5
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,106)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     2.75 1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     1.25 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     3.00 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     2.60 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     2.00 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     3.00 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     2.00 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     1.35 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     2.25 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     2.30 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     2.00 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   2.20 1-Year Fixed 1-Year Fixed Rate (no bonus) 1.25% 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     2.45
North American Company Charter 14 (TX)	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: TX	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     4.00 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     1.35 1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     1.25 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     4.00 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     4.00 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     4.00 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     4.00 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     4.00 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     3.00 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     4.00 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.00 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     4.00 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     4.00
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	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 AL CT DE MN MT NV NY OR PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.90 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     6.15 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.75% 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     5.35 1 -Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.55 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     5.80 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     4.85 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.35 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.75
North American Company Freedom Choice (5%) 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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 AL CT DE MN MT NV NY OR PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     6.25 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     3.00 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     5.65 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     7.10 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     5.20 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.10% 1 -Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.85 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     6.80 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     5.65
North American Company Freedom Choice 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	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 AL CT DE MN MT NV NY OR PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     4.10 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.35 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     4.40 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.10 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     5.00 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None     4.45 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.35% 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     4.65 1-Year Nasdaq-100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.20
North American Company Freedom Choice 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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 AL CT DE MN MT NV NY OR PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     6.10 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None     5.30 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     5.75 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.75% 1-Year Nasdaq-100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.55 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     4.85 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.75 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.30 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.85
North American Company North American Prizm Plus 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	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: AK AL CT DE MN NV NY OR PR TX UT VI WA	0-75: 7.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years): 18 18 17 15 15 15 15 14 12 10 8 6 4 2 For states IL (14 years): 18 18 17 15 15 15 14 13 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,106)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None 10     1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly 30     1-Year Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly     1.25 1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 15     1-Year DJIA Monthly Average DJIA Point to Point Annual Monthly 30     1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly 20     1-Year Fixed 1-Year Fixed Rate (no bonus) 1.25% 1-Year Russell 2000 Monthly Averaging Russell 2000 Point to Point Annual Monthly 20     1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 20     1-Year DJIA Point-to-Point DJIA Point to Point Annual None 20     1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 15     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.35 1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None 15
North American Company Precision 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	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 AL CT DE MN NY OR PR TX UT VI WA	0-75: 7.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years): 18 18 17 15 15 15 15 14 12 10 8 6 4 2 For states TX (14 years): 15 15 15 14 13 12 11 10 9 8.5 8 7 6 5
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,106)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily 30     1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 50   2.75 1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Daily 25     1-Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.25 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily 20     1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100   1.35 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 25   3.00 1-Year Hindsight Index Blended Indicies Point to Point Annual None 20   2.75 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 20   2.75 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 35   2.75 1-Year Fixed 1-Year Fixed Rate (no bonus) 1.25% 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 40   2.75 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily 30     1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 20   2.75
Surrender Charges Last 12 Years
American General Life Insurance Company AG HorizonIndex Annuity 12	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 CT DE FL MN NJ NV NY OH OR PR SC TX UT VI VT WA	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 12 12 12 12 11 10 9 8 7 5 3
	Guaranteed Minimum Value:		90% of Premium at 1.50%  (GMR/1000 $1,130)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     5.00 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.00 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.15%
American General Life Insurance Company AG HorizonIndex Annuity 12 (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	0-75: 8.00 76-80: 4.00 81-85: 2.50
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 12 12 12 12 11 10 9 8 7 5 3
	Guaranteed Minimum Value:		90% of Premium at 1.50%  (GMR/1000 $1,130)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.00% 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     5.00 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.00
North American Company NA Performance Choice 12	Non-Qualified Owner: 75 Annuitant: Qualified Owner: 75 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	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: AK CT DE MN MO NV NY OH OR PR UT VA VI WA	0-75: 6.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 12 years:		10 10 10 10 10 9 8 7 6 5 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $986)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None     4.35 1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None     4.40 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.20% 1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None     3.85 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     4.25 1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     4.70 1-Year Dow Jones Point-to-Point DJIA Point to Point Annual None     4.20 Inverse Performance Trigger S&P 500 Inverse Perf Triggered Annual None     4.35 1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None     3.85 1-Year Nasdaq 100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.10 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.25
North American Company NA Performance Choice 12 Plus	Non-Qualified Owner: 75 Annuitant: Qualified Owner: 75 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	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: AK CT DE MN MO NV NY OH OR PR UT VA VI WA	0-75: 6.50+ see notes
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 12 years:		10 10 10 10 10 9 8 7 6 5 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,065)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     2.70 1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None     2.40 1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     2.90 1-Year Dow Jones Point-to-Point DJIA Point to Point Annual None     2.60 Inverse Performance Trigger S&P 500 Inverse Perf Triggered Annual None     2.85 1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None     2.35 1-Year Nasdaq 100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual None     1.40 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     1.55 1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None     2.60 1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None     2.70 1-Year Fixed 1-Year Fixed Rate (no bonus) 1.45%
Surrender Charges Last 10 Years
Aviva Life & Annuity (MultiChoice Series) MultiChoice Advantage High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	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  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50 76-79: 5.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 04/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus
Aviva Life & Annuity (Income Series) Income Preferred Ultra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	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  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 04/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $996)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus
Aviva Life & Annuity (MultiChoice Series) MultiChoice Advantage Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	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  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50 76-79: 5.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 04/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus
Aviva Life & Annuity (Income Series) Income Preferred Ultra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	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  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 04/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $996)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus
American National Insurance Company Value Lock 10	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	Yes-Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MA MN ND NJ NY OR VI VT	0-75: 10.00 76-80: 8.00
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PR, RI, SC, SD, TN, TX, VA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3 For states CT, IL, PA, WA (10 years): 9 9 8 7 6 5 4 3 2 1			Rate Changed: 05/01/12
	Guaranteed Minimum Value:		90% of Premium at 1.00-1.75%  (GMR/1000 $1,071)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 10 Year Point-to-Point S&P 500 Point to Point 10-year Continuous Monthly 100
Lincoln Financial Group Lincoln OptiPoint 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK MN NY OR UT	0-75: 7.00+ 76-80: 4.75+ see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,149)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum     2.30 Performance Triggered Indexed Account S&P 500 Perf Trig Annual None       Fixed Account 1-Year Fixed Rate (no bonus) 1.10% 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None     7.00

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