Fixed Indexed Annuities

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Company - Any - Allianz Life Allianz Life of NY Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. Amer. National Ins. (Legacy) American National Ins. Co. Americo Annuity Investors Life (Great Amer. Life) Aviva Life & Annuity Aviva Life and Annuity Dearborn National EquiTrust Life Ins. Co. Forethought Financial Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. ING USA Annuity and Life Integrity Life Insurance Investors Ins. (Legacy) Jackson National Life Life of the Southwest Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York MetLife Investors Ins. Co. National Integrity Life Ins. National Western Life North American Company OM Financial (Legacy) OM Financial Life Ins. Co. OM Financial Life Ins. Co. (NY) Phoenix Life Insurance Co. Presidential Life Principal Financial Group RBC Insurance Reliance Standard Life ReliaStar Life Ins. Co. of NY SBLI -Savings Bank Life Ins. of MA Symetra Life Insurance Co. The Standard Transamerica Life United of Omaha VALIC West Coast Life Western National Life Ins. Co.

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Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index-1-05 & Index-7-05-OK)	17 yrs	(NQ)	10.00%	3.00%	87.50%		11/04/09	0-75: 8.20+ 76-80: 6.15+ see notes
	Fixed @ 3.10% S&P 500 Monthly Average w/ PR S&P 500 Monthly Average w/ CAP S&P 500 Annual Point-to-Point w/ PR S&P 500 Annual Point-to-Point w/ CAP S&P 500 Monthly Point-to-Point Lehman Brothers U.S. Aggregate Annual Point-to-Point Dow Jones Annual Point-to-Point Dow Jones Annual Monthly Average
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index 1-07)	16 yrs	80	10.00%	3.00%	87.50%		11/04/09	0-75: 6.00+ 76-80: 4.50+ see notes
	Fixed Value @ 3.10% 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point 1-Year Dow Jones Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Lehman U.S. Aggregate Point-to-Point
Surrender Charges Last 15 Years
Life of the Southwest SecurePlus Accumulator 5	15 yrs	65	5.00%	2.45%	87.50%	$1,321	03/01/10	0-70: 7.00+ 71-75: 6.00+ 76-80: 4.00+ see notes
	Declared Interest Account @ 3.15% Ending Index Account Average Index Account
Life of the Southwest SecurePlus Platinum	15 yrs	62		2.45%	87.50%	$1,258	02/22/10	0-70: 10.00+ 71-75: 9.00+ 76-80: 8.00+ see notes
	Declared Interest Account @ 3.30% Average Index Account Ending Index Account
National Western Life Liberty Champion	15 yrs	85	5.00%				02/21/10	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 @ 2.85% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
National Western Life NWL Ultra Future	15 yrs	80	10.00%	2.00%	87.50%	$1,295	02/21/10	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 @ 3.40% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap
Surrender Charges Last 14 Years
Amer. Equity Investment Life Ins. Co. Retirement Gold (02-09)	14 yrs	78	10.00%	2.25%	87.50%		11/04/09	0-78: 6.00+ see notes
	Fixed @ 2.90% S&P 500 Monthly Average w/ Participation S&P 500 Monthly Average w/ Cap S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Cap
Americo Ultimate One Index 9 Bonus (PA)	14 yrs	(NQ)	4.00%	2.00%	100%	$1,372	03/01/10
	Fixed @ 2.50% S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Averaging w/ Participation S&P 500 Monthly Averaging w/ Cap
Annuity Investors Life (Great Amer. Life) FlexMax 14	14 yrs	80	5.00%	2.00%	90.00%	$1,247	01/21/10	Qualified 18-55: 8.00+ 56-70: 4.75+ Non-Qualified 0-55: 8.00+ 56-70: 4.75+ 71-80: 3.95+ see notes
	Declared Rate Strategy @ 2.50% 1 Year S&P 500 Annual Point-to-Point
EquiTrust Life Ins. Co. Market Power Bonus Index	14 yrs	80	10.00%	3.00%	87.50%	$1,456	02/04/10	0-80: 8.50+ see notes
	1-Year Interest Account @ 2.85% 1-Year S&P 500 Daily Average Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Cap 1 Year S&P 500 Monthly Average Participation
EquiTrust Life Ins. Co. MarketTwelve Bonus	14 yrs	(NQ)	6.00%	3.00%	87.50%	$1,403	02/04/10
	Fixed @ 2.60% 1-Year S&P 500 Point-to-Point w/Cap 1-Year S&P 500 Daily Average w/ Cap 1-Year S&P 500 Monthly Average w/Participation 1-Year S&P 500 Monthly Cap
National Western Life NWL Ultra Benefit	14 yrs	(NQ)	5.00%	2.00%	87.50%	$1,212	02/21/10	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 A: Monthly Average Annual Reset Option D: Monthly Cap Annual Reset Fixed @ 2.50%
North American Company Charter 14	14 yrs	75	11.00%	1.10%	87.50%	$1,132	02/23/10	0-75: 8.50+ see notes
	1-Year Fixed @ 2.60% 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 Monthly Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point 1-Year Lehman Bros. US Aggregate 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 Hindsight Index Strategy 1-Year Dow Jones EuroStoxx 50 Point-to-Point 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	02/23/10	0-75: 5.50+ see notes
	1-Year Fixed @ 4.85% 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 S&P 400 1-Year Annual Point-to-Point LB U.S. Aggregate 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Annual Point-to-Point NADAQ 100 1-Year Annual Point-to-Point Russell 2000
North American Company Freedom Choice (5%) 14 -High	14 yrs	75		1.10%	87.50%	$1,020	02/23/10	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 @ 5.20% 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 LB U.S. Aggregate 1-Year Annual Point-to-Point S&P 400 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	02/23/10	0-75: 5.50+ see notes
	1-Year Fixed @ 4.40% 1-Year Anual Point-to-Point S&P 500 1-Year Monthly 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 S&P 400 1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Anual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000
North American Company Freedom Choice 14 -High	14 yrs	75		1.10%	87.50%	$1,020	02/23/10	0-75: 5.50+ see notes
	1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Fixed @ 4.80% 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 LB U.S. Aggregate 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50
North American Company North American Prizm Plus 14	14 yrs	75	10.00%	1.10%	87.50%	$1,122	02/23/10	0-75: 8.50+ see notes
	1-Year Fixed @ 3.00% 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 S&P 400 Point-to-Point 1-Year S&P 400 Monthly Average 1-Year DJIA Point-to-Point 1-Year DJIA Monthly Average 1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Point-to-Point 1-Year Russell 2000 Monthly Averaging 1-Year Nasdaq 100 Point-to-Point 1-Year Lehman Bros. U.S. Aggregate Point-to-Point 1-Year Nasdaq -100 Monthly Point-to-Point
North American Company Precision 14	14 yrs	75	11.00%	1.10%	87.50%	$1,132	02/23/10	0-75: 8.50+ see notes
	Fixed @ 2.60% Lehman Bros. US Aggregate Nasdaq -100 Monthly Point-to-Point Nasdaq-100 Annual Point-to-Point Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point Dow Jones EuroStoxx 50 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 13 Years
National Western Life NWL Ultra Classic	13 yrs	80		2.00%	87.50%	$1,132	02/21/10	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 @ 3.80% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap Annual Reset

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