* Interest rates are subject to change without notice in the current environment - call 800.496.3572 to confirm rates! Guaranteed Rate Annuities     Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 3 Palladium 3 MYG American National A -2.10%---2.10%--2.10%---$100K+ -2.00%---2.00%--2.00%---$5,000 3 years 8,8,8% W 7,6,5,4,3,2,1,0% Yes Yes 1.50%   00-79 0.50%   80-85 3 Regal Choice 3 Royal Neighbors A- -2.10%---2.10%--2.10%---$100k+ -2.00%---2.00%--2.00%--- $50k++ 3 Years 8,7,6%u>W8,7,6%u>W8,7,6,0% No Yes 2.00%   18-75 1.50%   76-85 3 MYGuarantee 3 Lincoln National A+ -1.55%---1.55%--1.55%---$100k+ -1.40%---1.40%--1.40%---$10k++ 3 Years 7,7,6,0% Yes No 1.00%   00-75 0.65%   76-80 0.50%   81-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 4 MYGuarantee 4 Lincoln National A+ -2.20%---2.20%--2.20%---$100k+ -2.05%---2.05%--2.05%---$10k++ 4 Years 7,7,6,5,0% Yes No 1.00%   00-75 0.65%   76-80 0.50%   81-85 4 Momentum Adv 4 Integrity A++ -2.75%---2.00%--2.18%---$20k++ 4 Years 8,8,7,7,0% Yes No 2.00%   00-79 0.50%   80-86 4 Palladium 4 MYG American National A -2.10%---2.10%--2.10%---$100k+ -2.00%---2.00%--2.00%---$5k+ 4 Years 8,8,8,7% W 6,5,4,3,2,1,0% Yes Yes 2.00%   00-79 1.00%   80-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 5 Neighbors Choice Royal Neighbors A- -3.50%---3.50%--3.50%---$10k+ 5 years 8.5,7.5,7,6,4,0% No No 1.75%   18-75 2.00%   $100k+ 1.45%   76-85 1.70%   $100k+ 5 Rate Saver 5 Genworth A -2.95%---2.95%--2.95%---$250k+ -2.85%---2.85%--2.85%---$100k+ -2.70%---2.70%--2.70%---$25k++ 5 Years 9,8,7,6,5% W Restart Yes Yes 2.00%   00-75 1.35%   76-80 0.70%   81-85 5 MYGuarantee 5 Lincoln National A+ -2.95%---2.95%--2.95%---$100k+ -2.80%---2.80%--2.80%---$10k++ 5 Years 7,7,6,5,4,0% Yes No 2.00%   00-75 1.30%   76-80 0.75%   81-85 5 FGA 5 The Standard A -2.70%---2.70%--2.70%---$100k+ -2.60%---2.60%--2.60%---$15k+ 5 Years 8,7,6,5,4,0% Yes No 3.00%   00-80 1.50%   81-85 1.35%   86-90 5 Palladium 5 MYG American National A -3.30%---2.30%--2.50%---$100k+ -3.20%---2.20%--2.40%---$5k+ 5 Years 8,8,8,7,6% W 5,4,3,2,1,0% Yes Yes 4.00%   00-79 2.00%   80-85 5 Momentum Advantage 5 Integrity A++ -3.05%---2.30%--2.45%---$20k++ 5 Years 8,8,7,7,6,0% Yes No 2.50%   00-79 0.50%   80-86 5 Classic 5 Lincoln National A+ -4.00%---2.00%--2.40%---$100k+ -3.00%---2.00%--2.20%---$10k++ 5 Years 9,8,7,6,5,0% Yes No 4.00%   00-75 2.75%   76-80 1.50%   81-85 5 Freedom Series 5 Liberty Life A -4.65%---1.65%--2.25%---$100k+ -4.50%---1.50%--2.10%---$10k++ -4.25%---1.25%--1.85%---$5,000 5 Years 7,7,7,6,5,0% No No 3.50%   00-80 1.50%   81-85 5 SRA 5 The Standard A -2.10%---2.10%--2.10%---$100k+ -2.00%---2.00%--2.00%---$15k+ 5 Years 9,8,7,6,5,0% No No 4.00%   00-80 2.00%   81-85 1.45%   86-90 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 6 Crown Choice Royal Neighbors A- -3.50%---3.50%--3.50%---$100k+ -3.40%---3.40%--3.40%---$20k+ 6 Years 8.5, 7.5, 7,6,5,4.5,0 No No 2.75%   00-75 1.45%   76-85 6 FGA 6 The Standard A -3.20%---3.20%--3.20%---$100k+ -3.10%---3.10%--3.10%---$15k+ 6 Years 8,7,6,5,4,3,0% Yes No 2.00%   00-80 1.00%   81-85 0.77%   86-90 6 MYGuarantee 6 Lincoln National A+ -3.10%---3.10%--3.10%---$100k+ -2.95%---2.95%--2.95%---$10k++ 6 Years 7,7,6,5,4,3,0% Yes No 2.25%   00-75 1.50%   76-80 0.75%   81-85 6 Palladium 6 MYG American National A -3.05%---3.05%--3.05%---$100k+ -2.95%---2.95%--2.95%---$5k+ 6 Years 8,8,8,7,6,5% W 4,3,2,1,0% Yes Yes 2.50%   00-79 0.50%   80-85 6 New Directions 6 Fixed Acct Lincoln National A+ -3.00%---3.00%--3.00%---$100k+ -2.80%---2.80%--2.80%---$10k++ 6 Years 9,8,7,6,5,4,0% Yes No 3.50%   00-75 2.75%   76-80 1.75%   81-85 6 SRA 6 The Standard A -2.15%---2.15%--2.15%---$100k+ -2.05%---2.05%--2.05%---$15k+ 6 Years 9,8,7,6,5,4,0% No No 4.00%   00-80 2.00%   81-85 1.45%   86-90 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 7 Rate Saver 7 Genworth A -3.60%---3.60%--3.60%---$250k+ -3.50%---3.50%--3.50%---$100k+ -3.35%---3.35%--3.35%---$25k++ 7 Years 9,8,7,6,5,4,3% W Restart Yes Yes 2.75%   00-75 2.15%   76-80 1.50%   81-85 7 MYGuarantee 7 Lincoln National A+ -3.30%---3.30%--3.30%---$100k+ -3.15%---3.15%--3.15%---$10k++ 7 Years 7,7,6,5,4,3,2,0% Yes No 2.50%   00-75 1.60%   76-80 1.00%   81-85 7 Palladium 7 MYG American National A -4.15%---3.15%--3.29%---$100k+ -4.05%---3.05%--3.19%---$5k+ 7 Years 8,8,8,7,6,5,4% W 3,2,1,0% Yes Yes 2.50%   00-79 0.50%   80-85 7 Momentum Advantage 7 Integrity A++ -3.75%---3.00%--3.10%---$20k++ 7 Years 8,8,7,7,6,6,5,0% Yes No 3.00%   00-79 1.00%   80-85 7 Assured Choice 7 VALIC A -2.90%---2.90%--2.90%---$100k+ -2.80%---2.80%--2.80%---$50k++ -2.70%---2.70%--2.70%---$10k++ 7 Years 7,7,7,6,5,4,3% Yes No 3.20%   00-75 1.60%   76-85 7 Classic 7 Lincoln National A+ -5.35%---2.35%--2.77%---$100k+ -4.35%---2.35%--2.63%---$10k++ 7 Years 9,8,7,6,5,4,3,0% Yes No 5.00%   00-75 3.50%   76-80 1.75%   81-85 7 Guarantee Choice 7 ING USA A -3.50%---2.50%--2.64%---$75K+ -2.50%---2.50%--2.50%---$15K+ 7 years 9,8,7,6,5,4,3% W 2,1,0% Yes Yes 2.50%   A0 - 80 1.50%   B 1stYr 0.25%   B Trail Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 8 Palladium 8 MYG American National A -3.50%---3.50%--3.50%---$100k+ -3.40%---3.40%--3.40%---$5k++ 8 Years 8,8,8,7,6,5,4,3% W 2,1,0% Yes Yes 2.50%   00-79 0.50%   80-85 8 MYGuarantee 8 Lincoln National A+ -3.35%---3.35%--3.35%---$100k+ -3.20%---3.20%--3.20%---$10k++ 7 Years 7,7,6,5,4,3,2,0% Yes No 2.50%   00-75 1.60%   76-80 1.00%   81-85 8 New Directions 8 Fixed Acct Lincoln National A+ -3.25%---3.25%--3.25%---$100k+ -3.15%---3.15%--3.15%---$10k++ 8 Years 9,8,7,6,5,4,2,1,0% Yes No 4.50%   00-75 3.50%   76-80 2.25%   81-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 9 MYGuarantee 9 Lincoln National A+ -3.40%---3.40%--3.40%---$100k+ -3.25%---3.25%--3.25%---$10k++ 7 Years 7,7,6,5,4,3,2,0,0% Yes No 2.50%   00-75 1.60%   76-80 1.00%   81-85 9 Palladium 9 MYG American National A -5.00%---3.00%--3.22%---$100k+ -4.90%---2.90%--3.12%---$5k+ 9 Years 8,8,8,7,6,5,4,3,2% W 1,0% Yes Yes 3.00%   00-79 1.00%   80-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 10 Guarantee Choice 10 ING USA A -4.50%---3.50%--3.60%---$75k+ -3.50%---3.50%--3.50%---$15k+ 10 years 9,8,7,6,5,4,3,2,1,0% Yes No 3.25%   A0 - 80 2.00%   B 1stYr 0.25%   B Trail 10 Momentum Adv. 10 Integrity A++ -4.15%---3.40%--3.47%---$20k+ 10 Years 8,8,7,7,6,6,5,5,4,4,0% No No 3.50%   0-79 1.50%   80-83 10 Palladium 10 MYG American National A -4.35%---3.35%--3.45%---$100k+ -4.25%---3.25%--3.35%---$5k+ 10 Years 8,8,8,7,6,5,4,3,2,1,0% Yes Yes 4.00%   00-79 2.00%   80-85 10 MYGuarantee 10 Lincoln National A+ -3.45%---3.45%--3.45%---$100k+ -3.30%---3.30%--3.30%---$10k++ 7 Years 7,7,6,5,4,3,2,0,0,0% Yes No 2.50%   00-75 1.60%   76-80 1.00%   81-85