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Index Annuities     Term Product Name Company AM Best Credit Method Index Used Part Rate Cap Bonus Prem Band Surrender Charge Inc Rider Cost MVA Window Commissions Notes 5 Secure 5 ING USA A Annual Reset ----S&P--- 100%----3.75% ----No -----$75k+ ----S&P--- 100%----3.25% ----No -----$75k+ 5 Years 8,7.5,6.5, 5.5,4.5,0% Yes 0.65% No No 4.00%   00-80 5 OptiChoice 5 Lincoln National A+ Annual Reset ----S&P--- 100%----2.50% ----No -----$100k ----S&P--- 100%----2.50% ----No -----$2k++ 5 Years 9,8,7,6,5 Yes 0.40% Yes No 5.00%   00-75 3.75%   76-80 2.50%   81-85 5 IGA 5 The Standard A Annual Reset w/Bailout ----S&P--- 100%----2.80% ----No -----$100k+ ----S&P--- 100%----2.20% ----No -----$15k+ 5 Years 8,7,6,4,2,0% No N/A No No 4.00%   0-80 2.25%   81-85 1.85%   86-90 Term Product Name Company AM Best Credit Method Index Used Part Rate Cap Bonus Prem Band Surrender Charge Inc Rider Cost MVA Window Commissions Notes 6 ANICO Equity Indexed Annuity American National A Annual Point-to-Point ----S&P--- 100%----3.50% ----N/A -----$10k+ 6 Years 8%,8,7,6,4,2,0 No No No 5.00%   00-79 3.00%   80-85 6 New Directions 6 Lincoln National A+ Annual Perf. Trigger or 2Yr Pt to Pt ----S&P--- 100%----3.00% ---- No -----$100k+ ----S&P--- 100%----2.70% ---- No -----$10k++ ----S&P--- 100%----7.00% ----No -----$100k+ ----S&P--- 100%----7.00% ----No -----$10k++ 6 Years 9,8,7,6,5,4,0% Yes 0.40% Yes No 3.50%   00-75 2.75%   76-80 1.75%   81-85 Term Product Name Company AM Best Credit Method Index Used Part Rate Cap Bonus Prem Band Surrender Charge Inc Rider Cost MVA Window Commissions Notes 7 Vision Advantage 7 American General A Annual Reset ----S&P--- 100%----3.50% ----No -----$15k+ ----S&P--- 80%----3.75% ----No -----$15k+ ----S&P--- 30%----N/A ----No -----$15k+ 7 Years 9,8,7,6,5,4,3,0% No N/A Yes No 6.00%   00-75 5.00%   76-85 7 Secure Living Index 7 Genworth A Annual Reset ----S&P--- 100%----4.20% ----N/A -----$250k+ ----S&P--- 100%----4.00% ----N/A -----$100k+ ----S&P--- 100%----3.50% ----N/A -----$25k+ 7 Years 9,9,8,7,6,5,4,0% Yes Yes No 5.00%   00-75 3.50%   76-80 2.00%   81-85 7 Secure 7 ING USA A Annual Reset ----S&P--- 100%----5.50% ----No -----$75k+ ----S&P--- 100%----4.25% ----No -----$15k+ 7 Years 10,10,10, 10,9,8,7,0% Yes 0.60% No No 5.00%   A-80 7 OptiChoice 7 Lincoln National A+ Annual Reset ---- S&P--- 100%----2.60% ----No -----$100k ----S&P--- 100%----2.50% ----No -----$2k++ 7 Years 9,8,7,6,5,4,3 Yes 0.40% Yes No 6.00%   00-75 4.50%   76-80 3.00%   81-85 7 IGA 7 The Standard A Annual Reset w/Bailout ----S&P--- 100%----2.95% ----No -----$100k+ ----S&P--- 100%----2.35% ----No -----$15k+ 7 Years 9,8,7,6,5,4,2,0% No N/A No No 5.00%   00-80 2.75%   81-85 2.25%   86-90 Term Product Name Company AM Best Credit Method Index Used Part Rate Cap Bonus Prem Band Surrender Charge Inc Rider Cost MVA Window Commissions Notes 8 New Directions 8 Lincoln National A+ Annual Perf. Trigger or 2Yr Pt to Pt ----S&P--- 100%----3.50% ---- No -----$100k+ ----S&P--- 100%----3.15% ---- No -----$10k++ ----S&P--- 100%----8.10% ----No -----$100k+ ----S&P--- 100%----7.20% ----No -----$10k++ 8 Years 9,8,7,6,5, 4,2,1,0% Yes 0.40% Yes No 4.50%   00-75 3.50%   76-80 2.25%   81-85 8 OptiPoint 8 Lincoln National A+ Performance Trigger, 2-Year Monthly Pt to Pt, 2-Year Pt to Pt ----S&P--- 100%----2.50% ----2%-3% -----$5k++ ----S&P--- 100%----1.85% ----2%-3% -----$5k++ ----S&P--- 100%----7.00% ----2%-3% -----$5k++ 8 Years 9,8,7,6,5,4,3,2,0% No Yes No 3.00%   00-75 2.00%   76-80 1.00%   81-85 Term Product Name Company AM Best Credit Method Index Used Part Rate Cap Bonus Prem Band Surrender Charge Inc Rider Cost MVA Window Commissions Notes 9 Vision Advantage 9 American General A Annual Reset ----S&P--- 100%----4.50% ----No -----$15k+ ----S&P--- 80%----4.75% ----No -----$15k+ ----S&P--- 30%----N/A ----No -----$15k+ 9 Years 10,9,8,7,6,5,4,3,2,0% No N/A Yes No 6.00%   00-75 5.00%   76-80 9 Envoy 9 ING USA A Annual Reset ----Blend--- 100%----5.00% ----No -----$75k+ ----Blend--- 100%----3.50% ----No -----$15k+ 9 Years 9,9,9,9,8, 7,6,5,4,0% Yes 0.65% Yes No 6.50%   00-80 9 OptiChoice 9 Lincoln National A+ Annual Reset ----S&P--- 100%----2.50% ----No -----$100k ----S&P--- 100%----2.50% ----No -----$2k++ 9 Years 9,8,7,6,5,4,3,2,1 Yes 0.40% Yes No 7.00%   00-75 5.25%   76-80 Term Product Name Company AM Best Credit Method Index Used Part Rate Cap Bonus Prem Band Surrender Charge Inc Rider Cost MVA Window Commissions Notes 10 Secure Living Index 10 Plus Genworth A Annual Reset ----S&P--- 100%----3.20% ----5.00% -----$250k+ ----S&P--- 100%----3.00% ----5.00% -----$100k+ ----S&P--- 100%----2.50% ----5.00% -----$25k+ 10 Years 9,9,8,7,6,5,4,3,2,1,0% Yes Yes No 7.00%   00-75 5.00%   76-80 10 Opportunities+ ING USA A Annual Reset w/Cap ----S&P--- 100%----3.50% ----5.00% -----$75k+ ----S&P--- 100%----2.00% ----5.00% -----$15k+ 10 Years 10,10,10,10, 9,8,7,6,5,4,0% Yes 0.40% No No 7.00%   00-80 10 OptiPoint 10 Lincoln National A+ Performance Trigger, 2-Year Monthly Pt to Pt, 2-Year Pt to Pt ----S&P--- 100%----2.50% ----3%-4% -----$5k++ ----S&P--- 100%----2.05% ----3%-4% -----$5k++ ----S&P--- 100%----7.00% ----3%-4% -----$5k++ 10 Years 10,9,8,7,6, 5,4,3,2,1,0% No Yes No 3.50%   00-75 2.40%   76-80