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Fixed Indexed Annuities

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SC Years

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% Premium

Return per $1000

Last Change

Commissions
Age: Rate

Surrender Charges Last 12 Years

Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12

12 yrs

5.00%

2.00%

90.00%

$1,198

07/28/10

0-75: 8.00+
76-80: 4.00+
81-85: 2.50+

see notes

Monthly Additive Account with Cap	2-Year Point-to-Point Account with Cap
Fixed Interest Account @ 2.00%

Lincoln Financial Group
Lincoln OptiPoint 12 -Low

12 yrs

4.00%

2.00%

100%

$1,319

07/01/10

0-75: 8.00+

see notes

Fixed @ 2.35%	Performance Triggered
2-Year Point to Point	2-Year Monthly Cap

Lincoln Financial Group
Lincoln OptiPoint 12 -High

12 yrs

5.00%

2.00%

100%

$1,332

07/01/10

0-75: 8.00+

see notes

Fixed @ 2.35%	2-Year Monthly Cap
2-Year Point to Point	Performance Triggered

Surrender Charges Last 10 Years

American National Ins. Co.
Value Lock 10

10 yrs

3.00%

1.75%

90.00%

$1,103

07/01/10

0-75: 10.00
76-80: 8.00

S&P 500 10 Year Point-to-Point

Allianz Life
Endurance Plus

10 yrs

(NQ)

1.50%

90.00%

$1,044

07/06/10

0-75: 8.00+
76-80: 5.00+

see notes

Fixed Account @ 2.50%	Blended Point-to-Point
Blended Monthly Average	S&P 500 Monthly Sum
S&P 500 Point-to-Point	Nasdaq 100 Point-to-Point
Nasdaq 100 Monthly Sum	FTSE 100 Point-to-Point
FTSE 100 Monthly Sum

Allianz Life
MasterDex 10

10 yrs

10.00%

1.50%

87.50%

$1,117

07/06/10

0-75: 9.00+
76-85: 7.00+

see notes

Fixed Account @ 3.00%	1-Year SP 500 Monthly Point to Point
1-Year Nasdaq-100 Monthly Point to Point

Allianz Life
MasterDex 10 Plus Annuity

10 yrs

10.00%

1.50%

87.50%

$1,117

07/06/10

0-75: 8.00+
76-80: 5.00+

see notes

Fixed @ 3.00%	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread	1 Year S&P 500 Monthly Cap
1 Year S&P 500 Point-to-Point Cap	1 Year Nasdaq 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap	1 Year FTSE 100 Point-to-Point Cap
1 Year FTSE 100 Monthly Cap

Allianz Life
MasterDex 5 Plus Annuity

10 yrs

5.00%

2.00%

87.50%

$1,120

07/06/10

0-75: 8.00+
76-80: 6.00+

see notes

Fixed Interest Option @ 2.15%	1 Year S&P 500 Monthly Sum Cap
1 Year S&P 500 Point-to-Point Cap	1 Year FTSE 100 Point-to-Point Cap
1 Year FTSE 100 Monthly Sum Cap	1 Year Nasdaq 100 Monthly Sum Cap
1 Year Nasdaq 100 Point-to-Point Cap	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread

Allianz Life
MasterDex X Annuity

10 yrs

10.00%

1.50%

90.00%

$1,149

07/06/10

0-75: 7.00+
76-80: 5.00+

see notes

1 Year Fixed @ 2.15%	1 Year S&P 500 Monthly Cap
1 Year S&P 500 Point-to-Point Cap	1 Year Nasdaq 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread	1 Year Euro STOXX 50 Point-to-Point Cap
1 Year Euro STOXX 50 Monthly Cap

American National Ins. Co.
ANICO Strategy Indexed Annuity 10

10 yrs

1.00%

100%

$1,105

07/01/10

see notes

Declared Rate Interest Account @ 2.00%

1 Year S&P 500 Point-to-Point

Lincoln Benefit Life
Saver's Index Annuity Premier -Low

10 yrs

3.00%

1.50%

100%

$1,195

06/14/10

0-75: 3.45+
76-85: 2.40+

see notes

Fixed @ 1.25%	1-Year S&P 500 Point-to-Point
1-Year S&P 500 Point-to-Point Low WaterMark	1-Year S&P 500 Monthly Average w/Cap
1-Year S&P 500 Monthly Cap

Lincoln Benefit Life
Saver's Index Annuity Premier -High

10 yrs

3.00%

1.50%

100%

$1,195

06/14/10

0-75: 3.45+
76-85: 2.40+

see notes

Fixed @ 1.25%	1-Year S&P 500 Monthly Cap
1-Year S&P 500 Monthly Average w/Cap	1-Year S&P 500 Point-to-Point Low WaterMark
1-Year S&P 500 Point-to-Point

Lincoln Benefit Life
Savers Index III -Low

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

06/14/10

0-75: 3.45+
76-90: 2.40+

see notes

Option 1

Account B

Lincoln Benefit Life
Savers Index III -High

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

06/14/10

0-75: 3.45+
76-90: 2.40+

see notes

Option 1

Account B

Lincoln Benefit Life
Savers Index III (ROP) -Low

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

06/14/10

0-75: 3.45+
76-90: 2.40+

see notes

Option 1

Option 2

Lincoln Benefit Life
Savers Index III (ROP) -High

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

06/14/10

0-75: 3.45+
76-90: 2.40+

see notes

Option 1

Option 2

Lincoln Financial Group
Lincoln OptiPoint 10 -Low

10 yrs

3.00%

1.80%

100%

$1,231

07/01/10

0-75: 7.00+
76-80: 4.75+

see notes

Fixed @ 2.35%	2-Year Monthly Cap
2-Year Point to Point	Performance Triggered

Lincoln Financial Group
Lincoln OptiPoint 10 -High

10 yrs

4.00%

1.80%

100%

$1,243

07/01/10

0-75: 7.00+
76-80: 4.75+

see notes

2-Year Monthly Cap	2-Year Point to Point
Performance Triggered	Fixed @ 2.35%

Surrender Charges Last 9 Years

Amer. General Life Ins. Co.
AG HorizonIndex Annuity 9

9 yrs

4.00%

2.00%

90.00%

$1,119

07/28/10

0-75: 6.00+
76-80: 3.50+
81-85: 2.00+

see notes

Fixed Interest Account @ 2.00%	Monthly Additive Account with Cap
2-Year Point-to-Point Account with Cap

Lincoln Financial Group
Lincoln OptiChoice 9 -Low

9 yrs

1.75%

100%

$1,169

07/01/10

0-75: 7.00+
76-80: 5.25+

see notes

Fixed @ 2.60%	1-Year Point-to-Point
1-Year Monthly Cap	1-Year Monthly Average

Lincoln Financial Group
Lincoln OptiChoice 9 -High

9 yrs

1.75%

100%

$1,169

07/01/10

0-75: 7.00+
76-80: 5.25+

see notes

1-Year Monthly Average	1-Year Monthly Cap
1-Year Point-to-Point	Fixed @ 2.80%

Surrender Charges Last 8 Years

Lincoln Financial Group
Lincoln New Directions 8 -Low

8 yrs

2.00%

100%

$1,172

07/01/10

0-75: 4.50+
76-80: 3.50+
81-85: 2.25+

see notes

Fixed @ 3.10%	Performance Triggered
2-Year Point to Point

Lincoln Financial Group
Lincoln New Directions 8 -High

8 yrs

2.00%

100%

$1,172

07/01/10

0-75: 4.50+
76-80: 3.50+
81-85: 2.25+

see notes

Performance Triggered	2-Year Point to Point
Fixed @ 3.25%

Lincoln Financial Group
Lincoln OptiPoint 8 -Low

8 yrs

2.00%

1.60%

100%

$1,158

07/01/10

0-75: 6.00+
76-80: 4.00+
81-85: 2.00+

see notes

Fixed @ 2.35%	2-Year Monthly Cap
2-Year Point to Point	Performance Triggered

Lincoln Financial Group
Lincoln OptiPoint 8 -High

8 yrs

3.00%

1.60%

100%

$1,169

07/01/10

0-75: 6.00+
76-80: 4.00+
81-85: 2.00+

see notes

Performance Triggered	2-Year Point to Point
2-Year Monthly Cap	Fixed @ 2.35%

Surrender Charges Last 7 Years

American National Ins. Co.
Value Lock 7

7 yrs

1.75%

90.00%

$1,016

07/01/10

0-75: 6.00
76-80: 4.00

S&P 500 7 Year Point-to-Point

Allianz Life
Endurance 10

7 yrs

1.50%

90.00%

$ 999

07/06/10

0-75: 5.00+
76-80: 2.50+

see notes

1 Year S&P 500 Monthly Average Spread	1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point	Fixed Account @ 2.50%
1-Year FTSE 100 Monthly Point-to-Point	1-Year FTSE 100 Point-to-Point
1 Year FTSE 100 Monthly Average Spread	1 Year Nasdaq 100 Monthly Average Spread
1-Year Nasdaq 100 Point-to-Point	1-Year Nasdaq 100 Monthly Point-to-Point
1-Year Blended Point-to-Point	1 Year Blended Monthly Average Spread

Allianz Life
MasterDex Plus Annuity

7 yrs

1.50%

87.50%

$ 971

07/06/10

0-75: 7.00+
76-80: 6.00+

see notes

1 Year S&P 500 Monthly Cap	1 Year S&P 500 Point-to-Point Cap
Fixed Account @ 2.15%	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread	1 Year Nasdaq 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap	1 Year FTSE 100 Point-to-Point Cap
1 Year FTSE 100 Monthly Cap

American National Ins. Co.
ANICO Strategy Indexed Annuity 7

7 yrs

1.00%

90.00%

$ 965

07/01/10

see notes

Declared Rate Interest Account @ 2.00%

1 Year S&P 500 Annual Point-to-Point

Lincoln Benefit Life
Savers Index I -Low

7 yrs

75 (NQ)

3.00%

90.00%

$1,107

06/14/10

0-75: 3.45
76-90: 2.40

see notes

Option 1

Option 2

Lincoln Benefit Life
Savers Index I -High

7 yrs

75 (NQ)

3.00%

90.00%

$1,107

06/14/10

0-75: 3.45
76-90: 2.40

see notes

Option 2

Option 1

Lincoln Benefit Life
Savers Index I (ROP) -Low

7 yrs

75 (NQ)

3.00%

90.00%

$1,107

06/14/10

0-75: 3.45
76-90: 2.40

see notes

Option 1

Option 2

Lincoln Benefit Life
Savers Index I (ROP) -High

7 yrs

75 (NQ)

3.00%

90.00%

$1,107

06/14/10

0-75: 3.45
76-90: 2.40

see notes

Option 1

Option 2

Lincoln Financial Group
Lincoln OptiChoice 7 -Low

7 yrs

1.50%

100%

$1,110

07/01/10

0-75: 6.00+
76-80: 4.50+
81-85: 3.00+

see notes

Fixed @ 2.45%	1-Year Point-to-Point
1-Year Monthly Cap	1-Year Monthly Average

Lincoln Financial Group
Lincoln OptiChoice 7 -High

7 yrs

1.50%

100%

$1,110

07/01/10

0-75: 6.00+
76-80: 4.50+
81-85: 3.00+

see notes

Fixed @ 2.60%	1-Year Monthly Average
1-Year Monthly Cap	1-Year Point-to-Point

Surrender Charges Last 6 Years

Lincoln Financial Group
Lincoln New Directions 6 -Low

6 yrs

1.75%

100%

$1,110

07/01/10

0-75: 3.50+
76-80: 2.75+
81-85: 1.75+

see notes

Fixed @ 2.80%	Performance Triggered
2-Year Point to Point

Lincoln Financial Group
Lincoln New Directions 6 -High

6 yrs

1.75%

100%

$1,110

07/01/10

0-75: 3.50+
76-80: 2.75+
81-85: 1.75+

see notes

Performance Triggered	2-Year Point to Point
Fixed @ 3.00%

Surrender Charges Last 5 Years

Lincoln Benefit Life
Saver's Index Annuity Plus -Low

5 yrs

1.50%

100%

$1,077

06/14/10

0-75: 3.45
76-85: 2.40

see notes

Fixed @ 1.00%	1-Year S&P 500 Point-to-Point
1-Year S&P 500 Point-to-Point Low Watermark	1-Year S&P 500 Monthly Average w/ Cap
1-Year S&P 500 Monthly Cap

Lincoln Benefit Life
Saver's Index Annuity Plus -High

5 yrs

1.50%

100%

$1,077

06/14/10

0-75: 3.45
76-85: 2.40

see notes

1-Year S&P 500 Point-to-Point	1-Year S&P 500 Point-to-Point Low Watermark
1-Year S&P 500 Monthly Average w/ Cap	1-Year S&P 500 Monthly Cap
Fixed @ 1.00%

Lincoln Benefit Life
Saver's Index Annuity Plus (ROP) -Low

5 yrs

1.50%

100%

$1,077

06/14/10

0-75: 3.45
76-85: 2.40

Fixed @ 0.85%	1-Year S&P 500 Point-to-Point
1-Year S&P 500 Point-to-Point Low Watermark	1-Year S&P 500 Monthly Average w/ Cap
1-Year S&P 500 Monthly Cap

Lincoln Benefit Life
Saver's Index Annuity Plus (ROP) -High

5 yrs

1.50%

100%

$1,077

06/14/10

0-75: 3.45
76-85: 2.40

1-Year S&P 500 Point-to-Point	1-Year S&P 500 Point-to-Point Low Watermark
1-Year S&P 500 Monthly Average w/ Cap	1-Year S&P 500 Monthly Cap
Fixed @ 0.85%

Lincoln Financial Group
Lincoln OptiChoice 5 -Low

5 yrs

1.25%

100%

$1,064

07/01/10

0-75: 5.00+
76-80: 3.75+
81-85: 2.50+

see notes

Fixed @ 2.25%	1-Year Point-to-Point
1-Year Monthly Cap	1-Year Monthly Average

Lincoln Financial Group
Lincoln OptiChoice 5 -High

5 yrs

1.25%

100%

$1,064

07/01/10

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 @ 2.40%

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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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