Fixed Indexed Brief

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. Amer. National Life Ins. Co. of NY Assurity Life Aviva Life & Annuity (Income Series) Aviva Life & Annuity (MultiChoice Series) EquiTrust Life Ins. Co. Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York First Symetra Nat’l Life Ins Co of NY Forethought Financial Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. ING Annuity and Asset Sales Life of the Southwest Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York Minnesota Life National Western Life North American Company Protective Life Corporation Royal Neighbors of America Security Benefit Life Symetra Life Insurance Co. The Standard VALIC Western National Life Ins. Co. 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	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change	High Comm
Surrender Charges Last 5 Years
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.00	100.00	$1,051		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.00	100.00	$1,051		up to 5.00%
The Standard	Index Growth Annuity 5 Low-Band	5		1.00	100.00	$1,051		up to 4.00%
The Standard	Index Growth Annuity 5 High-Band	5		1.00	100.00	$1,051		up to 4.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Five Low-Band	5		1.00	100.00	$1,051		up to 2.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Five High-Band	5		1.00	100.00	$1,051		up to 2.00%
Symetra Life Insurance Co.	Symetra Edge Pro 5 Low-Band [MVA]	5		1.00	100.00	$1,051		up to 3.50%
Symetra Life Insurance Co.	Symetra Edge Pro 5 High-Band [MVA]	5		1.00	100.00	$1,051		up to 3.50%
Aviva Life & Annuity (Income Series)	Income Select 5 Low-Band [MVA]	5		2.75	87.50	$1,002		up to 2.00%
Aviva Life & Annuity (Income Series)	Income Select 5 High-Band [MVA]	5		2.75	87.50	$1,002		up to 2.00%
ING Annuity and Asset Sales	ING Secure Index Five Low-Band	5		1.00	87.50	$ 920		up to 3.50%
ING Annuity and Asset Sales	ING Secure Index Five High-Band	5		1.00	87.50	$ 920		up to 3.50%
Allianz Life Ins. Co. of North America	Endurance Elite 5 [LOAN]	5		1.00	87.50	$ 920		up to 4.50%
Allianz Life Ins. Co. of North America	Allianz Pro V1 [LOAN]	5		1.00	87.50	$ 920		up to 3.25%
The Standard	Index Select Annuity 5 Low-Band	5		1.00	87.50	$ 920		up to 3.00%
The Standard	Index Select Annuity 5 High-Band	5		1.00	87.50	$ 920		up to 3.00%
Lincoln Life & Annuity of New York	Lincoln OptiChoice NY 5 Low-Band	5						up to 3.50%
Lincoln Life & Annuity of New York	Lincoln OptiChoice NY 5 High-Band	5						up to 3.50%
Amer. Equity Investment Life Ins. Co.	Heritage Gold (ICC11-IDX2)	5		1.50	87.50			up to 0.50%
Surrender Charges Last 6 Years
Lincoln Financial Group	Lincoln New Directions 6 Low-Band [MVA]	6		1.00	100.00	$1,062		up to 3.50%
Lincoln Financial Group	Lincoln New Directions 6 High-Band [MVA]	6		1.00	100.00	$1,062		up to 3.50%
American National Ins. Co.	ANICO EIA	6		1.00	90.00	$ 955	05/01/12	up to 5.00%
Great Amer. Life Ins. Co.	Safe Outlook Low-Band [LOAN]	6		1.00	90.00	$ 955		up to 3.60%
Great Amer. Life Ins. Co.	Safe Outlook High-Band [LOAN]	6		1.00	90.00	$ 955		up to 3.60%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Six Low-Band [MVA]	6		1.00	87.50	$ 929		up to 5.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Six High-Band [MVA]	6		1.00	87.50	$ 929		up to 5.00%
Aviva Life & Annuity (Income Series)	Income Preferred Six Low-Band [MVA]	6		1.00	87.50	$ 929		up to 5.00%
Aviva Life & Annuity (Income Series)	Income Preferred Six High-Band [MVA]	6		1.00	87.50	$ 929		up to 5.00%
Amer. Equity Investment Life Ins. Co.	Integrity Gold (Index 5-07)	6		1.50	87.50			up to 4.13%
Surrender Charges Last 7 Years
Symetra Life Insurance Co.	Symetra Edge Pro 7 Low-Band [MVA]	7		2.00	100.00	$1,149		up to 4.50%
Symetra Life Insurance Co.	Symetra Edge Pro 7 High-Band [MVA]	7		2.00	100.00	$1,149		up to 4.50%
Fidelity & Guaranty Life	FG Index-Accelerator 7	Product has been withdrawn from sale effective 05/18/2012
Western Natl. Life Ins. Co.	WNL POWER Index Annuity 7 GROP Low-Band	7		3.00	90.00	$1,107	05/21/12
Western Natl. Life Ins. Co.	WNL POWER Index Annuity 7 GROP High-Band	7		3.00	90.00	$1,107	05/21/12
Western Natl. Life Ins. Co.	WNL POWER Index Annuity 7 Low-Band	7	0.00	3.00	90.00	$1,107	05/21/12
Western Natl. Life Ins. Co.	WNL POWER Index Annuity 7 High-Band	7	0.00	3.00	90.00	$1,107	05/21/12
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Seven Low-Band	7		1.00	100.00	$1,072		up to 3.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Seven High-Band	7		1.00	100.00	$1,072		up to 3.00%
The Standard	Index Growth Annuity 7 Low-Band	7		1.00	100.00	$1,072		up to 5.00%
The Standard	Index Growth Annuity 7 High-Band	7		1.00	100.00	$1,072		up to 5.00%
Great Amer. Life Ins. Co.	American Legend II [LOAN]	7		1.00	100.00	$1,072		up to 4.95%
Fidelity & Guaranty Life Ins. Co. of New York	FGNY Index-Safety 7	7		1.00	100.00	$1,072
Lincoln Financial Group	Lincoln OptiChoice 7 Low-Band [MVA]	7		1.00	100.00	$1,072		up to 6.00%
Lincoln Financial Group	Lincoln OptiChoice 7 High-Band [MVA]	7		1.00	100.00	$1,072		up to 6.00%
Aviva Life & Annuity (Income Series)	Income Select 7 Low-Band [MVA]	7		2.75	87.50	$1,058		up to 3.00%
Aviva Life & Annuity (Income Series)	Income Select 7 High-Band [MVA]	7		2.75	87.50	$1,058		up to 3.00%
Amer. General Life Ins. Co.	AG Vision Advantage 7 (CA) [MVA]	7		2.00	90.00	$1,034		up to 6.00%
American National Ins. Co.	Value Lock 7	7		1.00-1.75	88.75	$1,002	05/01/12	up to 6.00%
Amer. General Life Ins. Co.	AG Vision Advantage 7 [MVA]	7		1.50	90.00	$ 999		up to 6.00%
Fidelity & Guaranty Life	Prosperity Elite 7 Protection	7	5.00	1.00	87.50	$ 985		up to 5.00%
National Western Life	NWL IMPACT 7 [LOAN]	7	5.00	1.00	87.50	$ 985		up to 5.50%
National Western Life	NWL IMPACT 7 S [LOAN]	7	5.00	1.00	87.50	$ 985		up to 4.50%
Allianz Life Ins. Co. of North America	MasterDex Plus Annuity [LOAN]	7		1.50	87.50	$ 971		up to 6.00%
Fidelity & Guaranty Life	Prosperity Elite 7 Enhanced	7	3.00	1.00	87.50	$ 966		up to 5.00%
American National Ins. Co.	ANICO Strategy Indexed Annuity 7	7		1.00	90.00	$ 965		up to 5.00%
Life of the Southwest	SecurePlus Silver [TSA, LOAN]	7		1.00	87.50	$ 938
ING Annuity and Asset Sales	ING Secure Index Seven Low-Band	7		1.00	87.50	$ 938		up to 5.00%
ING Annuity and Asset Sales	ING Secure Index Seven High-Band	7		1.00	87.50	$ 938		up to 5.00%
Fidelity & Guaranty Life	Prosperity Elite 7	7		1.00	87.50	$ 938		up to 5.00%
The Standard	Index Select Annuity 7 Low-Band	7		1.00	87.50	$ 938		up to 4.00%
The Standard	Index Select Annuity 7 High-Band	7		1.00	87.50	$ 938		up to 4.00%
Lincoln Life & Annuity of New York	Lincoln OptiChoice NY 7 Low-Band	7						up to 4.00%
Lincoln Life & Annuity of New York	Lincoln OptiChoice NY 7 High-Band	7						up to 4.00%
Minnesota Life	SecureLink Annuity	7					05/19/12
Surrender Charges Last 8 Years
Lincoln Financial Group	Lincoln OptiPoint 8 High-Band [MVA]	8	4.00	1.00	100.00	$1,126		up to 6.00%
Lincoln Financial Group	Lincoln OptiPoint 8 Low-Band [MVA]	8	3.00	1.00	100.00	$1,115		up to 6.00%
Lincoln Financial Group	Lincoln New Directions 8 Low-Band [MVA]	8		1.00	100.00	$1,083		up to 4.50%
Lincoln Financial Group	Lincoln New Directions 8 High-Band [MVA]	8		1.00	100.00	$1,083		up to 4.50%
Amer. General Life Ins. Co.	AG Global 8 Index Annuity (CA)	8		2.00	90.00	$1,054		up to 4.75%
Amer. General Life Ins. Co.	AG Global 8 Index Annuity	8		1.50	90.00	$1,014		up to 4.75%
North American Company	Freedom Choice 8 Low-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	Freedom Choice 8 High-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	Freedom Choice (5%) 8 Low-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	Freedom Choice (5%) 8 High-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
Surrender Charges Last 9 Years
Western Natl. Life Ins. Co.	WNL POWER Index Annuity 9 GROP Low-Band	9		3.00	90.00	$1,174	05/21/12
Western Natl. Life Ins. Co.	WNL POWER Index Annuity 9 GROP High-Band	9		3.00	90.00	$1,174	05/21/12
Western Natl. Life Ins. Co.	WNL POWER Index Annuity 9 Low-Band	9		3.00	90.00	$1,174	05/21/12
Western Natl. Life Ins. Co.	WNL POWER Index Annuity 9 High-Band	9		3.00	90.00	$1,174	05/21/12
Fidelity & Guaranty Life	FG Index-Choice 9	9	3.00	1.00-1.10	103.00	$1,171		up to 9.00%
EquiTrust Life Ins. Co.	Builder Bonus Index [MVA]	9	5.00-6.00	2.00	87.50	$1,108		up to 5.00%
Life of the Southwest	SecurePlus Premier 3 [TSA, LOAN]	9	3.00	1.95	90.00	$1,103
Lincoln Financial Group	Lincoln OptiChoice 9 Low-Band [MVA]	9		1.00	100.00	$1,094		up to 7.00%
Lincoln Financial Group	Lincoln OptiChoice 9 High-Band [MVA]	9		1.00	100.00	$1,094		up to 7.00%
EquiTrust Life Ins. Co.	Market Booster Index [MVA]	9	4.00	2.00	87.50	$1,088		up to 6.00%
Amer. General Life Ins. Co.	AG Vision Advantage 9(CA) [MVA]	9		2.00	90.00	$1,076		up to 6.00%
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 9 (CA) [MVA]	9	3.00-4.00	1.50	90.00	$1,070		up to 6.00%
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 9 [MVA]	9	3.00-4.00	1.50	90.00	$1,070		up to 6.00%
Amer. General Life Ins. Co.	AG Vision Advantage 9 [MVA]	9		1.50	90.00	$1,029		up to 6.00%
National Western Life	NWL Ultra Value [LOAN]	9	2.00	1.00	87.50	$ 976		up to 5.00%
ING Annuity and Asset Sales	ING Envoy Nine Fixed Index Annuity Low-Band [MVA]	9		1.00	87.50	$ 957		up to 6.00%
ING Annuity and Asset Sales	ING Envoy Nine Fixed Index Annuity High-Band [MVA]	9		1.00	87.50	$ 957		up to 6.00%
National Western Life	NWL Global Lookback [LOAN]	9		1.00	87.50	$ 957		up to 6.50%
National Western Life	NWL Ultra Future (2% Bonus states) [LOAN]	9	2.00	3.00				up to 5.00%
Lincoln Life & Annuity of New York	Lincoln OptiChoice NY 9 Low-Band	9						up to 5.00%
Lincoln Life & Annuity of New York	Lincoln OptiChoice NY 9 High-Band	9						up to 5.00%
Surrender Charges Last 10 Years
Amer. General Life Ins. Co.	AG Global Bonus Index Annuity (CA) [MVA]	10	5.00	2.00	100.00	$1,280		up to 5.25%
Amer. General Life Ins. Co.	AG Global Bonus Index Annuity [MVA]	10	5.00	1.50	100.00	$1,219		up to 5.25%
Aviva Life & Annuity (Income Series)	Income Select Plus S Low-Band	10	3.00-5.00	2.75	87.50	$1,205		up to 5.00%
Aviva Life & Annuity (Income Series)	Income Select Plus S High-Band	10	3.00-5.00	2.75	87.50	$1,205		up to 5.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Xtra Low-Band [MVA]	10	6.00	1.00	100.00	$1,171		up to 6.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Xtra High-Band [MVA]	10	6.00	1.00	100.00	$1,171		up to 6.00%
North American Company	North American Ten [MVA, LOAN]	10	6.00	1.00	100.00	$1,171		up to 6.50%
EquiTrust Life Ins. Co.	Market Ten Bonus Index [MVA]	10	6.00	1.00	100.00	$1,171		up to 6.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Plus Low-Band [MVA]	10	3.00-5.00	1.00	100.00	$1,160		up to 6.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Plus High-Band [MVA]	10	3.00-5.00	1.00	100.00	$1,160		up to 6.50%
Lincoln Financial Group	Lincoln OptiPoint 10 High-Band [MVA]	10	5.00	1.00	100.00	$1,160		up to 7.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Plus S Low-Band [MVA]	10	3.00-5.00	1.00	100.00	$1,160		up to 5.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Plus S High-Band [MVA]	10	3.00-5.00	1.00	100.00	$1,160		up to 5.00%
Amer. General Life Ins. Co.	AG Vision Maximizer (CA) [MVA]	10	5.00	2.00	90.00	$1,152		up to 8.00%
Lincoln Financial Group	Lincoln OptiPoint 10 Low-Band [MVA]	10	4.00	1.00	100.00	$1,149		up to 7.00%
Aviva Life & Annuity (Income Series)	Income Select 10 Low-Band [MVA]	10		2.75	87.50	$1,148		up to 6.50%
Aviva Life & Annuity (Income Series)	Income Select 10 High-Band [MVA]	10		2.75	87.50	$1,148		up to 6.50%
Allianz Life Ins. Co. of North America	MasterDex X Annuity [LOAN]	10	6.00	1.95-2.05	87.50	$1,136		up to 7.00%
Fidelity & Guaranty Life Ins. Co. of New York	FGNY Index-Choice 10	10	2.00	1.00	100.00	$1,127
Great Amer. Life Ins. Co.	American Valor® 10 [TSA, LOAN]	10	2.00	1.00	100.00	$1,127		up to 5.40%
Allianz Life Ins. Co. of North America	Allianz 365i Annuity [LOAN]	10	6.00	1.00-1.95	87.50	$1,125		up to 7.00%
ING Annuity and Asset Sales	ING Secure Index Opportunities Plus Low-Band [MVA]	10	5.00	2.00	87.50	$1,120		up to 7.00%
ING Annuity and Asset Sales	ING Secure Index Opportunities Plus High-Band [MVA]	10	5.00	2.00	87.50	$1,120		up to 7.00%
Allianz Life Ins. Co. of North America	MasterDex 5 Plus Annuity [LOAN]	10	3.00-5.00	2.00	87.50	$1,120		up to 7.00%
Great Amer. Life Ins. Co.	Safe Return [TSA, LOAN]	10		1.00	100.00	$1,105		up to 5.85%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Ten Low-Band	10		1.00	100.00	$1,105		up to 6.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Ten High-Band	10		1.00	100.00	$1,105		up to 6.50%
ING Annuity and Asset Sales	ING Secure Index Outlook Annuity Low-Band	10	3.00	2.00	87.50	$1,099		up to 6.00%
ING Annuity and Asset Sales	ING Secure Index Outlook Annuity High-Band	10	3.00	2.00	87.50	$1,099		up to 6.00%
Allianz Life Ins. Co. of North America	MasterDex 3 Plus [LOAN]	10	3.00	2.00	87.50	$1,099		up to 7.00%
Amer. General Life Ins. Co.	AG Vision Maximizer [MVA]	10	5.00	1.50	90.00	$1,097		up to 8.00%
American National Ins. Co.	Value Lock 10 [MVA]	10		1.00-1.75	90.00	$1,071	05/01/12	up to 10.00%
EquiTrust Life Ins. Co.	Market Value Index [MVA]	10		2.00	87.50	$1,067		up to 6.50%
Allianz Life Ins. Co. of North America	MasterDex 10 Plus Annuity [LOAN]	10	10.00	1.00	87.50	$1,063		up to 7.00%
Life of the Southwest	SecurePlus Elite 3 403(b) & 457 [TSA, LOAN]	10		1.95	87.50	$1,061
Allianz Life Ins. Co. of North America	Endurance Plus [LOAN]	10		1.50	90.00	$1,044		up to 7.00%
Fidelity & Guaranty Life	Prosperity Elite 10 Protection	10	8.00	1.00	87.50	$1,044		up to 7.00%
Fidelity & Guaranty Life	FG Index-Accelerator 10	Product has been withdrawn from sale effective 05/18/2012
Aviva Life & Annuity (Income Series)	Lifetime Solutions Annuity High-Band [MVA]	10	5.00-7.00	1.00	87.50	$1,034		up to 7.00%
National Western Life	NWL IMPACT 10 [LOAN]	10	7.00	1.00	87.50	$1,034		up to 6.50%
Aviva Life & Annuity (Income Series)	Lifetime Solutions Annuity Low-Band [MVA]	10	3.00-6.00	1.00	87.50	$1,025		up to 7.00%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus Low-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 7.00%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus High-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 7.00%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus Pro Low-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 6.50%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus Pro High-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 6.50%
Aviva Life & Annuity (MultiChoice Series)	MulitChoice Xtra Pro Low-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 6.50%
Aviva Life & Annuity (MultiChoice Series)	MulitChoice Xtra Pro High-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 6.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Xtra Low-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 7.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Xtra High-Band [MVA]	10	6.00	1.00	87.50	$1,025		up to 7.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Advantage Low-Band [MVA]	10	3.00-5.00	1.00	87.50	$1,015	04/06/12	up to 7.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Advantage High-Band [MVA]	10	3.00-5.00	1.00	87.50	$1,015	04/06/12	up to 7.50%
Forethought Financial	Guaranteed Destinations WA	10	5.00	1.00	87.50	$1,015		up to 7.00%
North American Company	North American Prizm Plus 10 [TSA, MVA, LOAN]	10	5.00	1.00	87.50	$1,015		up to 7.50%
North American Company	Precision 10 [TSA, MVA, LOAN]	10	5.00	1.00	87.50	$1,015		up to 7.50%
North American Company	Charter 10 [TSA, MVA, LOAN]	10	5.00	1.00	87.50	$1,015		up to 7.50%
Fidelity & Guaranty Life	Prosperity Elite 10 Enhanced	10	5.00	1.00	87.50	$1,015		up to 7.00%
Forethought Financial	Bonus Advantage [MVA]	10	5.00	1.00	87.50	$1,015		up to 7.00%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus S Low-Band	10	4.00	1.00	87.50	$1,005		up to 6.00%
Aviva Life & Annuity (Income Series)	Income Preferred Bonus S High-Band	10	4.00	1.00	87.50	$1,005		up to 6.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Xtra (S) Low-Band [MVA]	10	3.00-4.00	1.00	87.50	$1,005		up to 6.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Xtra (S) High-Band [MVA]	10	3.00-4.00	1.00	87.50	$1,005		up to 6.00%
Allianz Life Ins. Co. of North America	Allianz 360 Annuity [LOAN]	10		1.00-1.35	87.50	$1,001		up to 7.00%
Aviva Life & Annuity (Income Series)	Income Preferred Ultra Low-Band [MVA]	10	3.00	1.00	87.50	$ 996	04/06/12	up to 7.50%
Aviva Life & Annuity (Income Series)	Income Preferred Ultra High-Band [MVA]	10	3.00	1.00	87.50	$ 996	04/06/12	up to 7.50%
American National Ins. Co.	ANICO Strategy Indexed Annuity 10	10		1.00	90.00	$ 994		up to 8.00%
Life of the Southwest	SecurePlus Gold [TSA, LOAN]	10		1.00	87.50	$ 967
Aviva Life & Annuity (Income Series)	Income Preferred Ten Low-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Aviva Life & Annuity (Income Series)	Income Preferred Ten High-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Ten Low-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Ten High-Band [MVA]	10		1.00	87.50	$ 967		up to 7.50%
Forethought Financial	Index Bonus 115sm Low-Band [MVA]	10		1.00	87.50	$ 967		up to 8.00%
Forethought Financial	Index Bonus 115sm Mid-Band [MVA]	10		1.00	87.50	$ 967		up to 8.00%
Forethought Financial	Index Bonus 115sm High-Band [MVA]	10		1.00	87.50	$ 967		up to 8.00%
Forethought Financial	Income 125 Low-Band	10		1.00	87.50	$ 967		up to 7.00%
Forethought Financial	Income 125 Mid-Band	10		1.00	87.50	$ 967		up to 7.00%
Forethought Financial	Income 125 High-Band	10		1.00	87.50	$ 967		up to 7.00%
North American Company	Freedom Choice (5%) 10 Low-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
North American Company	Freedom Choice (5%) 10 High-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
North American Company	Freedom Choice 10 Low-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
North American Company	Freedom Choice 10 High-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
Fidelity & Guaranty Life	FG AccumulatorPlus 10	10		1.00	87.50	$ 967		up to 6.25%
Fidelity & Guaranty Life	Prosperity Elite 10	10		1.00	87.50	$ 967		up to 7.00%
Life of the Southwest	SecurePlus Marquee 10 [MVA]	10
Life of the Southwest	SecurePlus Marquee 3 [MVA]	10	3.00
Amer. Equity Investment Life Ins. Co.	Traditions Gold (ICC11 IDX4)	10		1.50	87.50			up to 4.50%
Amer. Equity Investment Life Ins. Co.	Traditions Gold Plus (ICC11 IDX3)	10	8.00	1.50	87.50			up to 4.50%
Amer. Equity Investment Life Ins. Co.	Retirement Gold (RG-FIA-09)	10	6.00	1.50	87.50			up to 5.25%
Amer. Equity Investment Life Ins. Co.	Retirement Gold (02-09)	10	5.00-8.00	1.50	87.50			up to 6.00%
Amer. Equity Investment Life Ins. Co.	Retirement Gold (INDEX-4-10-FL)	10	8.00	1.50	87.50			up to 6.00%
Amer. Equity Investment Life Ins. Co.	Benefit Gold (ICC10 IDX 110*)	10	5.00	1.50	87.50			up to 5.25%
Amer. Equity Investment Life Ins. Co.	Advantage Gold	10	5.00	1.50-3.00	84.00			up to 6.00%
Surrender Charges Last 12 Years
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 12 [MVA]	12	5.00	1.50	90.00	$1,130		up to 8.00%
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 12 (CA) [MVA]	12	5.00	1.50	90.00	$1,130		up to 8.00%
Life of the Southwest	SecurePlus Elite 5 403(b) & 457 [TSA, LOAN]	12		1.95	87.50	$1,103
Life of the Southwest	SecurePlus Elite [LOAN]	12		1.00	87.50	$ 986
Surrender Charges Last 13 Years
National Western Life	NWL Ultra Classic [LOAN]	13		1.00	87.50	$ 996		up to 10.00%
Surrender Charges Last 14 Years
EquiTrust Life Ins. Co.	Market Power Bonus Index [MVA]	14	10.00	2.00	87.50	$1,270		up to 8.50%
EquiTrust Life Ins. Co.	MarketTwelve Bonus [MVA]	14	6.00	2.00	87.50	$1,224		up to 9.00%
Fidelity & Guaranty Life	Prosperity Elite 14 Protection	14	9.00	1.00	87.50	$1,096		up to 8.00%
Fidelity & Guaranty Life	Prosperity Elite 14 Enhanced	14	6.00	1.00	87.50	$1,066		up to 8.00%
National Western Life	NWL Ultra Benefit [LOAN]	14	4.00-5.00	1.00	87.50	$1,056		up to 6.00%
Fidelity & Guaranty Life	Prosperity Elite 14	14		1.00	87.50	$1,006		up to 8.00%
Fidelity & Guaranty Life	FG AccumulatorPlus 14	14		1.00	87.50	$1,006		up to 7.50%
Surrender Charges Last 15 Years
Life of the Southwest	SecurePlus Accumulator 5	15	5.00	2.45	87.50	$1,321
National Western Life	NWL Ultra Future [LOAN]	15	4.75-10.00	1.00	87.50	$1,117		up to 5.00%
Life of the Southwest	SecurePlus Platinum (after 3/21/06) [TSA, LOAN]	15		1.00	87.50	$1,016
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co.	Bonus Gold (Index 1-07)	16	10.00	1.50	80.00			up to 6.00%
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co.	Bonus Gold (Index 1-05) DE	17	10.00	1.50	80.00			up to 6.00%

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