* 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 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 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Notes 5 Choice 5 Royal Neighbors A- --1.70%---1.70%--1.70%---$10k+ 5 years 8.5,7.5,7,6,4,0% No No 5 FGA 5 The Standard A --2.10%---2.10%--2.10%---$100k+ --2.00%---2.00%--2.00%---$15k+ 5 Years 8,7,6,5,4,0% Yes No 5 Rate Saver 5 Genworth A --1.95%---1.95%--1.95%---$250k+ --1.85%---1.85%--1.85%---$100k+ --1.65%---1.65%--1.65%---$25k++ 5 Years 9,8,7,6,5% W Restart Yes Yes 5 Horizon Select 5 American General A --1.60%---1.60%--1.60%---$5,000 5 Years 10,9,8,7,6 W 5,4,3,2,1 Yes Yes 5 MYGuarantee 5 Lincoln National A+ --1.80%---1.80%--1.80%---$100k+ --1.65%---1.65%--1.65%---$10k++ 5 Years 7,7,6,5,4,0% Yes No 5 SRA 5 The Standard A --1.55%---1.55%--1.55%---$100k+ --1.45%---1.45%--1.45%---$15k+ 5 Years 9,8,7,6,5,0% No No 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 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Notes 6 FGA 6 The Standard A --2.50%---2.50%--2.50%---$100k+ --2.40%---2.40%--2.40%---$15k+ 6 Years 8,7,6,5,4,3,0% Yes No 6 Choice 6 Royal Neighbors A- --2.05%---2.05--2.05%---$100k+ --2.00%---2.00%--2.05%---$20k+ 6 Years 8.5, 7.5, 7,6,5,4.5,0% No No 6 Horizon Achiever American General A --2.15%---2.15%--2.15%---$5,000 6 Year 10,9,8,7,6,5 W,4,3,2,1,0% Yes Yes 6 MYGuarantee 6 Lincoln National A+ --2.10%---2.10%--2.10%---$100k+ --2.00%---2.00%--2.00%---$10k++ 6 Years 7,7,6,5,4,3,0% Yes No 6 Palladium 6 MYG American National A --2.00%---2.00%--2.00%---$100k+ --1.90%---1.90%--1.90%---$5k+ 6 Years 8,8,8,7,6,5% W 4,3,2,1,0% Yes Yes 6 SRA 6 The Standard A --1.85%---1.85%--1.85%---$100k+ --1.75%---1.75%--1.75%---$15k+ 6 Years 9,8,7,6,5,4,0% No No Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Notes 7 FGA 7 The Standard A --2.60%---2.60%--2.60%---$100k+ --2.50%---2.50%--2.50%---$15k+ 7 Years 8,7,6,5,4,3,2,0% Yes No 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 7 Horizon Select 7 American General A --2.20%---2.20%--2.20%---$5,000 7 Years 10,9,8,7,6,5,4% W 3,2,1% Yes Yes 7 Palladium 7 MYG American National A --3.15%---2.15%--2.29%---$100k+ --3.05%---2.05%--2.19%---$5k+ 7 Years 8,8,8,7,6,5,4% W 3,2,1,0% Yes Yes 7 MYGuarantee 7 Lincoln National A+ --2.50%---2.50%--2.50%---$100k+ --2.35%---2.35%--2.35%---$10k++ 7 Years 7,7,6,5,4,3,2,0% Yes No 7 Assured Choice 7 VALIC A --1.70%---1.70%--1.70%---$100k+ --1.60%---1.60%--1.60%---$50k++ --1.50%---1.50%--1.50%---$10k++ 7 Years 7,7,7,6,5,4,3% Yes No 7 Guarantee Choice 7 ING USA A --2.50%---1.75%--1.85%---$75K+ --1.50%---1.50%--1.50%---$15K+ 7 years 9,8,7,6,5,4,3% W 2,1,0% Yes Yes Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Notes 8 Palladium 8 MYG American National A --2.65%---2.65%--2.65%---$100k+ --2.55%---2.55%--2.55%---$5k++ 8 Years 8,8,8,7,6,5,4,3% W 2,1,0% Yes Yes 8 MYGuarantee 8 Lincoln National A+ --2.55%---2.55%--2.55%---$100k+ --2.40%---2.40%--2.40%---$10k++ 7 Years 7,7,6,5,4,3,2,0% Yes No Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Notes 9 Palladium 9 MYG American National A --4.45%---2.45%--2.67%---$100k+ --4.35%---2.35%--2.57%---$5k+ 9 Years 8,8,8,7,6,5,4,3,2% W 1,0% Yes Yes 9 MYGuarantee 9 Lincoln National A+ --2.65%---2.65%--2.65%---$100k+ --2.50%---2.50%--2.50%---$10k++ 7 Years 7,7,6,5,4,3,2,0,0% Yes No Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Notes 10 Steady Choice Royal Neighbors A- --3.00-----3.00%---$0 10 Years 10,9,8,7,6,5,4,3,2,1% No No 10 FGA 10 The Standard A --2.70%---2.70%--2.70%---$100k+ --2.60%---2.60%--2.60%---$15k+ 10 Years 8,7,6,5,4,3,2,1,1,0% Yes No 10 Palladium 10 MYG American National A --3.55%---2.55%--2.65%---$100k+ --3.55%---2.55%--2.55%---$5k+ 10 Years 8,8,8,7,6,5,4,3,2,1,0% Yes Yes 10 MYGuarantee 10 Lincoln National A+ --2.65%---2.65%--2.65%---$100k+ --2.50%---2.50%--2.50%---$10k++ 7 Years 7,7,6,5,4,3,2,0,0,0% Yes No 10 Horizon Select 10 American General A --2.40%---2.40%--2.40%---$5,000 10 Years 10,9,8,7,6,5,4,3,2,1% Yes No 10 Guarantee Choice 10 ING USA A --2.75%---1.75%--1.85%---$75k+ --1.75%---1.75%--1.75%---$15k+ 10 years 9,8,7,6,5,4,3,2,1,0% Yes No