Bonus Annuities Last update August 25, 2010

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1 Interest Rate merican General Life merican National HorizonFlex HorizonMYG HorizonPlus WealthQuest Citadel 7 Palladium dvisor * 90 Comdex 90 Comdex 6 year guarantee 6 year guarantee 4.00% 6.00% year % year % years 2-6 years % 10 bps enhancement for premium $100K+ 25 bps lower in MN, OR, P Base rate guaranteed in year 2. minimum guarantee ** minimum guarantee minimum guarantee 2% minimum guarantee 2% minimum guarantee 8 years: 8, 8, 8, 7, 6, 5, 3, 1, 0 10 years: 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0 9 years: 9, 8, 7, 6, 5, 4, 3, 2, 1, 0 7 years: 7, 7, 7, 6, 5, 4, 2, 0 7 years: 7, 7, 7, 6, 5, 4, 2 ($100 EFT) EFT - if less than $5K, it must be set up on EFT with minimum of $300 monthly. dditional: $1,000 random, $100 CH K, UT 0-85 NQ Owner: No age limit nnuitant: - Sold under USL K,MN,NJ,,UT MN,NJ,,OR,P,UT,W $1,000,000 max w/o approval IN:0-83, OK:0-78, UT:0-50 NJ,, UT fter 1st year. Minimum of 10-year payout. MV still applies 5.00% 7.50% 6.00% ges 0-80: 4.50% ges 0-79: First Year Commissions ges 76-80: 4.00% ges 76-80: 5.00% ges 76-80: 3.20% ges 81-85: 3.50% ges 80-90: 1.00% ges 81-85: ges 81-85: ges 81-85: 1.35% Commissions vary for OR, P, TX, and W. for products Non Death Benefit is nnuity Value. Varies by state. Death Benefit is nnuity Value. Death Benefit - Surrender charge will apply, MV will not. Never less than premium paid less withdrawals. nnuity Value will be used if annutized for at least 5 years. Nursing Home, Terminal Illness, and Disability waivers Return of premium guarantee. Confinement and Disability waivers. *NQ are flexiable in the 1st yr only. Page 1 of 5

2 Genworth Financial Integrity SecureLiving Independence Secure Living Smart Rate Liberty NewMOMENTUM Series II ( in OR) 2 Moody's 2 Moodys 2 Moodys 97 Comdex 97 Comdex $100, Yr < $50,000 1 Year < $99,999: 3.45% QIO 4.25% 1 Yr Year 1 Year 1: 3.50% $50k - $99, % $100,000 - $249,999: 3.95% 2yr GRO 2.25% / 1.50% (yr 2) Year 2: 2.50% $100, % $250,000 +: 4.45% 3yr GRO 2.25% / 1.50% (yr 2-3) 3 Yr 2.85% Year 1 $50,000 - $99,999: 3 Yr < $50, % 3 Year < $99,999: 2.60% 5yr GRO 2.25% / 1.50% (yr 2-5) 1.85% Years 2-3 Interest Rate Year 1: $50k - $99, % $100,000 - $249,999: 2.75% 6 yr GRO 2.55% / 1.80% (yr 2-6) Year 2: 2.50% $100, % $250,000 +: 2.85% 7yr GRO 2.90% / 2.15% (yr 2-7) 5 Yr 2.30% Years 1-5 <$50K: Year 1: 2.50% 5 Yr < $50, % 5 Year < $99,999: 2.35% 10yr GRO 3.20% / 2.45% (yr 2-10) Year 2: 2.50% $50k - $99, % $100,000 - $249,999: 2.50% 1.50% minimum guarantee 7 Yr 2.20% Years % minimum guarantee* $100, % $250,000 +: 2.60% in OR 1.50% minimum guarantee 6 years: 9, 9, 8, 7, 6, 5 6 years: 9, 9, 8, 7, 6, 5 7 years: 7, 7, 7, 6, 5, 4, 3 IN & MN: 9, 8, 7, 6, 5, 4 IN & OR: 9, 8, 7, 6, 5, 4 7 years: 8, 7, 6, 5, 4, 3, 2 7 years: 7, 7, 7, 6, 5, 4, 3 $3,000 NQ & Q $1,000 dditional deposits Rates vary in W. Call for rates. fter 1st year. Life with 10, 15, or 20 fter 1st year. Life with 10, 15, or 20 fter 1st year. Life with 10, 15, or % ges % 1 & 3 Year GRO First Year Commissions ges 76-80: ges 76-80: 2.70% ges 76-80: 1.95% ges ges 0-79: 5.00% ges 81-85: ges 81-85: 1.05% ges 81-85: 1.05% ges 80-85: Call for detail. QIO Option 5 & & Year GRO ges 0-79 ges 0-79: 4.00% for products ges % ges 80-85: Nursing Home Waiver available in 1.50% min guarantee years % minimum guarantee years 1-9 Nursing Home Waiver available. Unemployment, Terminal Illness, all approved states except for M. Oregon: 2.50% min guar years 1-6. QIO rate locked in for 1 year. Can and Nursing Home Waiver vailable * minimum guarantee yrs 7+ Surrender charges waived for Bailout Rate is. N/ in OR. move into a GRO at any time. W ONLY - 1.5% mim yrs 1-6 hospital & nursing home confinement Confinement Waiver vailable., W L, ME, NH,, VT Please check for variations in commission rates for older ages/higher prem ww.crumplifeinsurance.co Page 2 of 5

3 Lincoln Benefit Minnesota Life North merican Penn Mutual SureHorizon II Treasury-Linked nnuity SecureOption Extra Boomer 88 Comdex 88 Comdex 94 Comdex 96 Comdex < $100k 1 yr 2.05% / 1.05% (base) 3 Year Guarantee 1st year 2.45% 3 yr 2.05% / 1.05% (base) Less than $20,000: 1.05% 4.35% year 1 Premium Bonus 5.00% 1.45% Interest Rate 6 yr 2.05% / 1.05% (base) $20,000-$49,999: 1.05% 2.35% years 2-3 1st year yield 8.15% $100k + Less than $100,000: 1.05% 1.00% first yr enhancement for $500K + 1 yr 2.30% / 1.30% (base) $100,000 or more: 1.05% 3 yr 6 yr 2.30% / 1.30% (base) 2.30% / 1.30% (base) 1.05% min guar (1.15% CT and OR) 1.50% minimum guarantee 1.10% minimum guarantee 6 years: 8, 8, 7, 6, 5, 4 10 years: 9, 8, 8, 7, 6, 5, 4, 3, 2, 1 10 years 9, 9, 8, 7, 6, 5, 4, 3, 2, 1 10 years: 15,14,13,12,11,10,8,6,4,2,0 7 years: 9, 8, 7, 6, 5, 4, 3 Q: $3,000 or $100 per month NQ: $10,000 $3,000 Q $10,000 NQ $50/month TS Salary Reduction 0-90 (85 max in OK) 0-80 NQ & Q M,, OR, and W K, L, CT, DE, MN, MS,, OR, P TX, UT, W pproved in all states 15% available immediately. 5% after first year; once per year. 10% after first year. nytime. ny payout option. fter 1st year. Lifetime payout options. fter 2nd year. 4.75% ges 0-80: ges 0-80: 4.00% ges % ges 0-80: 4.50% First Year Commissions ges 76-85: 3.56% ges 81-85: 2.40% ges 81-85: 1.50% ges 76-80: 5.25% ges 81-85: 1.75% ges 86-90: 2.38% ges 86-90: 1.50% ges 86-90: 0.75% Trail Commission option paying Call you annuity team for products 50 basis points after the first year, call Solution Center fter 5 yrs, each subaccount renews Non-MV product Purchase Payment Guarantee to a new 5 yr gte period;or you have Nursing Home waiver available in Nursing Home waiver No Roth IR's Rider (ROP) available for 1.00 bsp. a 45-day window following the end all states except M. bonus available. Renewal rates participate in new Confinement, terminal illness, DL, of the first 5 yr gte period to withdraw money rates. and Unemployment waivers money from the subaccount and avoid withdrawal charges. Page 3 of 5

4 Principal RBC Plus Plus (5 & 7 year) Guaranteed Fixed nnuity Guaranteed Fixed nnuity Guarantee 3+3 Master nnuity * (1st year only) * (1st year only) * (1st year only) SUSPENDED EFFECTIVE 9/1 + Fitch 85 Comdex <$100K: nnual Yield 2.35% <$100K: nnual Yield 1.90% Years 1-3 Interest Rate 1.85% base % premium credit) 5 Year Guarantee 2.05% (1.40 base % premium credit) 3 Year Guarantee 1.50% Guarantee 3+3 (MV) 3.15% >$100K: nnual Yield 3.37% 7 Year Guarantee 1.95% >$100K: nnual Yield 2.92% 5 Year Guarantee 1.50% Guarantee 3+3 (non MV)* (1.85% base % premium credit) (1.40% base % premium credit) fter initial 3-year rate, you can choose the +3 option which will lock in the renewed rate plus 50bps in yrs 4-6. It will then turn into a 9-yr surrender. minimum guarantee 7 years: 6, 6, 6, 5, 4, 3, 2 7 years: 6, 6, 6, 5, 4, 3, 2 5 years: 7, 7, 7, 6, 5 5 years: 7, 7, 7, 6, 5 6 years: 7, 7, 7, 6, 4, 2 / +3 option is 9 years: 7, 7, 7, 7, 7, 7, 6, 4, 2 Call for Variations in CT, W vailable in all states. in OK vailable in all states. in OK vailable in all states. 10% after first year. nytime (after 1st year in ) nytime (after 1st year in ) nytime (after 1st year in ) nytime (after 1st year in ) fter 2nd year. ges 0-80: 4.50% ges 0-80: 4.50% ges 0-80: 4.10% ges 0-80: 4.10% First Year Commissions ges 81-85: ges 81-85: ges 81-85: 2.75% ges 81-85: 2.75% ges 76-80: 1.25% ges 86-90: 1.85% ges 86-90: 1.25% ges 86-90: 1.45% ges 86-90: 1.45% ges 81-85: 0.50% MV: K,FL,HI,IN,MD,MN,NJ,,OK, OR,P,SD,TX,UT,VT,W. Non-MV: K,HI,MN,NJ,,OK,OR,W Surrender charges waived for Surrender charges waived for Surrender charges waived for Surrender charges waived for terminal illness, disability, and terminal illness, disability, and terminal illness, disability, and terminal illness, disability, and nursing home confinement nursing home confinement. nursing home confinement. nursing home confinement. MV Depends on the state. Confinement and Terminal Illness waivers *State Premium tax of 1.25% applied to deposit in the state of SD. Page 4 of 5

5 RBC West Coast Western National Master Builder Secure dvantage Secuity Builder UltraMYG SUSPENDED EFFECTIVE 9/1 + Fitch 2 Moody's 85 Comdex 87 Comdex <$50,000 $50, Year Guarantee Interest Rate Year 1 1 Year 3.50% 4.65% <$100K >$100K 4.60% 5.60% Year 1 Years % 2.75% 2 Year 2.50% 3.15% 0.15% bonus on Q funds on 1 year option minimum guarantee 10 years: 10, 9, 8, 7, 6, 5, 4, 3, 2, 1 30-day window after 5 years 4 Year 2.40% 3 Year Guarantee <$100K 2.25% 6 Year 1.80% 2.15% >$100K 2.55% 1.75% minimum guarantee 7 years: 8, 8, 7, 6.5, 5.5, 4.5, 3 5 years: 7, 7, 6, 5, 3, 0 9 years: 9, 9, 8, 7, 6, 5, 4, 3, 2, NQ & Q $10,000 NQ & Q $10,000 NQ & Q $ Q Maximum: $1.5 million without approval K, HI, MD, MN, NJ,, OR, P, TX, UT vailable in all states * MN, NC,, TX, W *Sold under the FS name in Interest only after 30 days. 15% after 30 days. Part of unused portion Interest only after 30 days 15% available immediately. 10% after first year. may be carried over. Call 10% after 1st year. fter 2nd year. Living Benefit value offered after 10th year. fter 1st year. Call for Info ges 0-69: 4.00% 4.00% ges % First Year Commissions ges 70-80: 2.50% ges 76-80: ges % ges 76-80: 4.25% ges 81-85: 0.50% ges 81-85: 3.25% MV Product - No MV in some states. Confinement and Terminal Illness waivers Enhanced Death Benefit *State Premium tax of 1.25% applied to deposit in the state of SD.. Bail Out Feature vailable if renewal rate is more than.50% below the initial base rate. MV Product ctivities of Daily Living and Nursing home waivers Surrender charge reduces monthly Page 5 of 5