* Interest rates are subject to change without notice in the current environment - call 800.496.3572 to confirm rates! Flexible Premium Annuities     Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 1 Quintaflex ING Reliastar A ---3.10%---N/A--N/A---TSA ---3.10%---N/A--N/A---IRA ---2.50%---N/A--N/A---Non-Qual 5 Years 5,5,5,5,5,0% Yes Yes 1 FPDA The Standard A ---1.30%---N/A--N/A---$600 10 Years 9,8,7,6,5,4,3,2,1,0 No No 5.00%   0-80 2.25%   81-85 2.25%   86-90 1 Pro Flex VALIC A ---3.75%---1.50%--N/A---TSA ---3.90%---1.00%--N/A---IRA ---3.75%---1.00%--N/A---NQ 5 Years 5,5,5,5,5,0% No No 4.80%   00-55 3.80%   56-75 2.60%   76-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 2 Citadel 7 Diamond American National A ---3.70%---1.70%--N/A--- $100K ---3.60%---1.60%--N/A---$5K 7 Years 7,7,7,6,5,4,2,0% No No 4.50%   0-80 3.50%   81-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 10 Steady Choice Royal Neighbors A- ---3.25%---3.00%--3.02%---$100 10 Years 10,9,8,7,6,5,4,3,2,1% No No 5.00%   00-75 2.25%   Year 2+ 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 / (VitalSigns) 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+ / (VitalSigns) 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 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 Secure 7 ING USA A / (VitalSigns) 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+ / (VitalSigns) 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 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 OptiPoint 8 Lincoln National A+ / (VitalSigns) 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 Envoy 9 ING USA A / (VitalSigns) 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+ / (VitalSigns) 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 OptiPoint 10 Lincoln National A+ / (VitalSigns) 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