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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 9 Years
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%
Surrender Charges Last 7 Years
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
Surrender Charges Last 6 Years
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%
Surrender Charges Last 5 Years
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%

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Surrender Charges Last 15 Years
National Western Life Liberty Champion	15 yrs	85	5.00%				08/06/10	Qualified 0-70: 9.25+ 71-75: 7.75+ Non-Qualified 0-70: 9.25+ 71-80: 7.75+ 81-85: 5.50+ see notes
	Fixed @ 2.25% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
National Western Life NWL Ultra Future	15 yrs	80 (NQ)	10.00%	1.50%	87.50%	$1,203	08/06/10	Qualified 0-70: 7.00+ 71-75: 3.50+ 76-80: 2.00+ Non-Qualified 0-75: 7.00+ 76-80: 5.00+ see notes
	Option B: Fixed Account @ 2.90% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap
Surrender Charges Last 14 Years
National Western Life NWL Ultra Benefit	14 yrs	(NQ)	5.00%	1.50%	87.50%	$1,132	08/06/10	Qualified 0-70: 8.00+ 71-75: 5.50+ 76-80: 3.50+ 81-85: 1.00+ Non-Qualified 0-75: 8.00+ 76-80: 6.00+ 81-85: 3.50+ see notes
	Option B: Fixed Interest Rate @ 1.85% Option A: Monthly Average Annual Reset Option D: Monthly Cap Annual Reset
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 13 Years
National Western Life NWL Ultra Classic	13 yrs	80		1.50%	87.50%	$1,062	08/06/10	Qualified 0-70: 12.00+ 71-75: 10.00+ 76-80: 9.00+ Non-Qualified 0-75: 12.00+ 76-80: 10.50+ see notes
	Option B: Fixed Account @ 3.25% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap Annual Reset
Surrender Charges Last 12 Years
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
National Western Life Liberty Challenge	12 yrs	85	2.00%				08/06/10	Qualified 0-70: 9.00+ 71-75: 8.00+ Non-Qualified 0-70: 9.00+ 71-80: 8.00+ 81-85: 6.25+ see notes
	Fixed @ 2.25% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
Surrender Charges Last 10 Years
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
Surrender Charges Last 9 Years
National Western Life Liberty Classic	9 yrs	85					08/06/10	Qualified 0-70: 8.00+ 71-75: 7.50+ Non-Qualified 0-70: 8.00+ 71-80: 7.50+ 81-85: 6.25+ see notes
	Fixed @ 2.25% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
National Western Life NWL Global Lookback	9 yrs	80 (NQ)		1.50%	87.50%	$1,000	08/06/10	Qualified 0-70: 7.00+ 71-75: 4.50+ 76-80: 2.50+ Non-Qualified 0-75: 7.00+ 76-80: 5.00+ see notes
	Option B: Fixed Interest Rate @ 3.20% Option A: S&P 500 Monthly Average Option D: S&P 500 Monthly Cap Option J: S&P 500 Point-to-Point w Cap Option K: Global Lookback
National Western Life NWL Ultra Future (2% Bonus states)	9 yrs	85 (NQ)	2.00%	3.00%			08/06/10
	Fixed @ 3.30% Option A: S&P 500 Monthly Average Option D: S&P 500 Monthly Cap
National Western Life NWL Ultra Value	9 yrs	80 (NQ)	2.00%	1.50%	87.50%	$1,020	08/06/10	Qualified 0-70: 6.00+ 71-75: 3.50+ 76-80: 2.50+ Non-Qualified 0-75: 6.00+ 76-80: 4.00+ see notes
	Option B: Fixed Interest Rate @ 3.30% Option A: Monthly Average Annual Reset Option D: Monthly Cap Annual Reset
Surrender Charges Last 8 Years
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
Surrender Charges Last 7 Years
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
Surrender Charges Last 6 Years
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
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

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