* 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 (remove?) Notes 3 Choice 3 Royal Neighbors A- --1.10%---1.10%--1.10%---$100k+ --1.00%---1.00%--1.00%---$50k++ 3 Years 8,7,6% W 8,7,6% W 8,7,6,0% No Yes 1.50%   18-75 1.00%   76-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions (remove?) Notes 5 Choice 5 Royal Neighbors A- --2.20%---2.20%--2.20%---$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 FGA 5 The Standard A --1.85%---1.85%--1.85%---$100k+ --1.75%---1.75%--1.75%---$15k+ 5 Years 8,7,6,5,4,0% Yes No 3.00%   00-80 1.50%   81-85 1.35%   86-90 5 Rate Saver 5 Genworth A --2.15%---2.15%--2.15%---$250k+ --2.05%---2.05%--2.05%---$100k+ --1.85%---1.85%--1.85%---$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 Balance 5 Liberty Life A --4.15%---1.15%--1.75%---$100k+ --4.00%---1.00%--1.60%---$10k++ 5 Years 7,7,7,6,5,0% No No 4.00%   00-80 2.00%   81-85 5 MYGuarantee 5 Lincoln National A+ --1.60%---1.60%--1.60%---$100k+ --1.45%---1.45%--1.45%---$10k++ 5 Years 7,7,6,5,4,0% Yes No 2.00%   00-75 1.30%   76-80 0.75%   81-85 5 Horizon Select 5 American General A --1.70%---1.70%--1.70%---$5,000 5 Years 10,9,8,7,6 W 5,4,3,2,1 Yes Yes 4.00%   00-80 3.00%   81-85 5 SRA 5 The Standard A --1.30%---1.30%--1.30%---$100k+ --1.20%---1.20%--1.20%---$15k+ 5 Years 9,8,7,6,5,0% No No 4.00%   00-80 2.00%   81-85 1.45%   86-90 5 Palladium 5 MYG American National A --2.10%---1.10%--1.30%---$100k+ --2.00%---1.00%--1.20%---$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 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions (remove?) Notes 6 Choice 6 Royal Neighbors A- --2.45%---2.45%--2.45%---$100k+ --2.20%---2.20%--2.20%---$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 --2.30%---2.30%-----$100k+ --2.20%---2.20%-----$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 Horizon Achiever American General A --2.20%---2.20%--2.20%---$5,000 6 Year 10,9,8,7,6,5 W,4,3,2,1,0% Yes Yes 3.00%   00-80 2.00%   81-85 6 MYGuarantee 6 Lincoln National A+ --1.90%---1.90%--1.90%---$100k+ --1.75%---1.75%--1.75%---$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 --1.80%---1.80%--1.80%---$100k+ --1.70%---1.70%--1.70%---$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 SRA 6 The Standard A --1.30%---1.30%--1.30%---$100k+ --1.20%---1.20%--1.20%---$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 (remove?) Notes 7 Rate Saver 7 Genworth A --2.55%---2.55%--2.55%---$250k+ --2.45%---2.45%--2.45%---$100k+ --2.25%---2.25%--2.25%---$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 FGA 7 The Standard A --2.25%---2.25%--2.25%---$100k+ --2.15%---2.15%--2.15%---$15k+ 7 Years 8,7,6,5,4,3,2,0% Yes No 3.00%   00-80 1.50%   81-85 1.35%   86-90 7 MYGuarantee 7 Lincoln National A+ --2.30%---2.30%--2.30%---$100k+ --2.15%---2.15%--2.15%---$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 --2.95%---1.95%--2.09%---$100k+ --2.85%---1.85%--1.99%---$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 Assured Choice 7 VALIC A --2.05%---2.05%--2.05%---$100k+ --1.95%---1.95%--1.95%---$50k++ --1.85%---1.85%--1.85%---$10k++ 7 Years 7,7,7,6,5,4,3% Yes No 3.20%   00-75 1.60%   76-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions (remove?) Notes 8 MYGuarantee 8 Lincoln National A+ --2.35%---2.35%--2.35%---$100k+ --2.20%---2.20%--2.20%---$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 Palladium 8 MYG American National A --2.40%---2.40%--2.40%---$100k+ --2.30%---2.30%--2.30%---$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 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions (remove?) Notes 9 MYGuarantee 9 Lincoln National A+ --2.45%---2.45%--2.45%---$100k+ --2.30%---2.30%--2.30%---$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 --4.15%---2.15%--2.37%---$100k+ --4.05%---2.05%--2.27%---$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 (remove?) 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+ 10 FGA 10 The Standard A --2.50%---2.50%--2.50%---$100k+ --2.40%---2.40%--2.40%---$15k+ 10 Years 8,7,6,5,4,3,2,1,1,0% Yes No 4.00%   00-80 10 MYGuarantee 10 Lincoln National A+ --2.45%---2.45%--2.45%---$100k+ --2.30%---2.30%--2.30%---$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 10 Palladium 10 MYG American National A --3.25%---2.25%--2.35%---$100k+ --3.15%---2.15%--2.25%---$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 Guarantee Choice 10 ING USA A --3.25%---2.25%--2.35%---$75k+ --2.25%---2.25%--2.25%---$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