Multi-Year Guaranteed Annuities

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1 Guarantee Product 1st Year Rate Average Period Company Name Rate Thereafter Annual Yield (Lower for older ages) 3 years American National Palladium MYG ($100k +) 2.10% 2.10% 2.10% 1.50% 3 years Lincoln Financial Group MYGuarantee Plus ($100K +) 1.50% 1.50% 1.50% 1.00% 3 years Principal Select Series ($100k +) 1.30% 1.30% 1.30% 1.00% 4 years North American Guarantee Choice ($200K +) 2.40% 2.40% 2.40% 2.50% 4 years American National Palladium MYG ($100k +) 2.10% 2.10% 2.10% 2.00% 4 years Lincoln Financial Group MYGuarantee Plus ($100K +) 1.95% 1.95% 1.95% 1.00% 4 years Integrity 2.25% 1.50% 1.69% 2.00% 4 years Principal Secure % 1.55% 1.55% 2.25% 5 years North American Guarantee Choice ($200K +) 3.05% 3.05% 3.05% 2.50% 5 years Lincoln Financial Group MYGuarantee Plus ($100K +) 2.70% 2.70% 2.70% 2.00% 5 years Genworth Rate Saver ($100K - $249,000) 2.60% 2.60% 2.60% 2.00% 5 years Standard Focused Growth ($100K +) 2.55% 2.55% 2.55% 5 years American National Palladium MYG ($100k +) 3.30% 2.30% 2.50% 4.00% 5 years Lincoln Financial Group Classic 5 ($100k +) 4.00% 2.00% 2.40% 4.00% 5 years Western National Life Flex 5 MVA ($100k +) 2.15% 2.15% 2.15% 2.00% 5 years Allianz Dominator Plus ($100k +) 2.15% 2.15% 2.15% 5 years United of Omaha Ultra Secure Plus ($50K +) 2.90% 1.90% 2.10% 4.00% 5 years Minnesota Life SecureOption Select ($100k +) 1.95% 1.95% 1.95% 5 years Integrity 2.50% 1.75% 1.90% 2.50% 5 years Symetra Custom 5 ($100K - $249,000) 2.25% 1.75% 1.85% 2.50% 6 years North American Guarantee Choice ($200K +) 3.15% 3.15% 3.15% 2.50% 6 years Standard Focused Growth ($100K +) 3.10% 3.10% 3.10% 2.00% 6 years American National Palladium MYG ($100k +) 3.05% 3.05% 3.05% 2.50% 6 years Lincoln Financial Group MYGuarantee Plus ($100K +) 2.85% 2.85% 2.85% 2.25% 6 years Lincoln Financial Group New Directions 6 ($100k +) 2.75% 2.75% 2.75% 3.50% 6 years American General Life HorizonAchiever 2.35% 2.35% 2.35% 7 years North American Guarantee Choice ($200K +) 3.40% 3.40% 3.40% 2.50% 7 years Genworth Rate Saver ($100K - $249,000) 3.35% 3.35% 3.35% 2.75% 7 years American National Palladium MYG ($100k +) 4.15% 3.15% 3.29% 2.50% 7 years Lincoln Financial Group MYGuarantee Plus ($100K +) 3.05% 3.05% 3.05% 2.50% 7 years Western National Life Flex 7 MVA ($100k +) 2.75% 2.75% 2.75% 2.50% 7 years Symetra Custom 7 ($100K - $249,000) 3.15% 2.65% 2.72% 4.00% 7 years Integrity 3.35% 2.60% 2.71% 7 years Minnesota Life SecureOption Select ($100k +) 2.60% 2.60% 2.60% 3.50% 7 years SunLife Financial Key Value 7 ($50k +) See details section 2.45% 7 years American General Life Horizon Select 2.40% 2.40% 2.40% 4.00% 7 years West Coast 3.17% 2.15% 2.30% *Call for rates 8 years American National Palladium MYG ($100k +) 3.40% 3.40% 3.40% 2.50% 8 years North American Guarantee Choice ($200K +) 3.40% 3.40% 3.40% 2.50% 8 years Lincoln Financial Group MYGuarantee Plus ($100K +) 3.10% 3.10% 3.10% 2.50% 8 years West Coast 3.47% 2.45% 2.58% *Call for rates 9 years North American Guarantee Choice ($200K +) 3.40% 3.40% 3.40% 2.50% 9 years Lincoln Financial Group MYGuarantee Plus ($100K +) 3.15% 3.15% 3.15% 2.50% 9 years Minnesota Life SecureOption Select ($100k +) 3.15% 3.15% 3.15% 4.00% 9 years American National Palladium MYG ($100k +) 4.90% 2.90% 3.12% 9 years West Coast 3.68% 2.65% 2.76% *Call for rates 9 years American General Life HorizonChoice 2.70% 2.70% 2.70% 2.65% 10 years North American Guarantee Choice ($200K +) 3.60% 3.60% 3.60% 2.50% 10 years American National Palladium MYG ($100k +) 4.25% 3.25% 3.35% 4.00% 10 years Lincoln Financial Group MYGuarantee Plus ($100K +) 3.20% 3.20% 3.20% 2.50% 10 years Allianz Dominator Plus($100k +) 3.15% 3.15% 3.15% 4.00% 10 years ING Guaranteed Choice ($75K +) 4.00% 3.10% 3.25% 10 years Integrity 3.75% 3.08% 3.50% 10 years West Coast 3.83% 2.80% 2.90% *Call for rates 10 years American General Life Horizon Select 2.70% 2.70% 2.70% 4.00% 10 years American General Life HorizonChoice 2.35% 2.35% 2.35% 5.00%

2 Interest Rate/ Guaranteed Period Allianz American General Life Dominator Select Dominator Plus AG HorizonSelect AG HorizonChoice AG HorizonAchiever A Best 87 Comdex 87 Comdex 1 Year Guarantee Period 5 Year Guarantee Period $25,000 - $99, % 5 yr 2.10% 9 year 2.70% 6 year 2.35% 1.60% $25,000 - $99, % 7 year 2.40% 10 year 2.35% 2 Year Guarantee Period 2.15% 10 year 2.70% $25,000 - $99,999 3 Year Guarantee Period 1.55% 1.65% 10 Year Guarantee Period $25,000 - $99, % $25,000 - $99, % 1.65% 3.15% 2.00% minimum guarantee 2.00% Min Guar ( in CT and OR) 2.00% minimum guarantee 3 years: 6, 5, 4 10 years: 9, 8.1, 7.2, 6.3, 5.4, 4.5, 3.6, 2.7, 1.8,.9 10 years: 10, 9, 8, 7, 6, 5, 4, 3, 2, 1 7 years: 7, 6, 5, 4, 3, 2, 1, 0 10 years: 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0 $25,000 NQ & Q $25,000 NQ & Q 0-85 NQ & Q CA, CT, MA, MT, NV, NJ, OK, OR, PA, WA OR AK,MN,NJ,NY,OR,PA,UT,WA 10-year option not avail in TX MA, MD, MN, NY, PA, WA AK, MN, NJ, NY, OR, PA, UT, WA for products 10% of premium paid. 10% of premium paid. 10% immediately. Interest only after 30 days. 10% after the 1st year. After 5th year. Minimum of 10-year payout. Minimum of 10-year payout. 5 Year 4.00% Ages Year Ages 0-85: 0.25% 9 Year 2.65% 2 Year Ages 0-85: 0.50% Ages 76-80: 2.00% 10Year 5.00% 3 Year Ages 0-85: 1.25% TX - 5 and 7 year 10 Year 3.50% 4.00% 2.75% Ages 76-80: Lower in INDIANA 30 day window at end Nursing Home and LTC Waivers of rate guarantee period. Will renew for the remainder of the 10 yr surrender 30 day window at end of rate lock period. Extended Care (Nursing Home) 10% immediately. After 5th year. 2.00% 30 day window at end of 6-yr term. Rate renews for 4 years if client doesn't get out during window. Extended Care (Nursing Home) CrumpLifeInsurance.com Page 1 of 6

3 Company American National Genworth ING Annuity & Life Integrity Life Insurance Liberty Life/RBC Palladium MYG SecureLiving Rate Saver Guarantee Choice 3+3 MYG SUSPENDED EFFECTIVE 09/01 A Best A Standard & Poors A A+ Fitch 90 Comdex 79 Comdex 81 Comdex 97 Comdex 85 Comdex 3 year 2.00% 5 Year 7 Year <$75k $75k+ 4 year 2.00% < $100 K 2.40% 3.15% 5 Year Suspended MVA: 5 year 3.20% / 2.20% (yrs 2-5) 4 year: 2.25% / 1.50% (yrs 2-4) Non-MVA: 6 year 2.95% $100 K - $249, % 3.35% 7 Year 2.00% / 2.00% 5 year: 2.50% / 1.75% (yrs 2-5) Interest Rate/ 7 year 4.05% / 3.05% (yrs 2-7) 7 year: 3.35% / 2.60% (yrs 2-7) **SPECIAL NOTE** Guaranteed Period 8 year 3.30% $250 K and % 3.45% 10 Year 4.00% / 10 year: 3.75% / (yrs 2-10) If the +3 option is selected after the 3rd 9 year 4.80% / 2.80% (yrs 2-9) contract year, the rate in yrs 4-6 will be 10 year 4.15% / 3.15% (yrs 2-10) the guaranteed rate declared at issue, Additional 10 bps for premium PLUS.50%. The withdrawal charge of $100K and up. will then be 9 years. 1.5% minimum guarantee 10 years: 8, 8, 8, 7, 6, 5, 4, 3, 2, 1 5 years: 9, 8, 7, 6, 5 4yr: 8,8,7,7 5yr: 8,8,7,7,6 6 Year: 7, 7, 7, 6, 4, 2 9 years: 9, 8, 7, 6, 5, 4, 3, 2, 1 7 years: 9, 8, 7, 6, 5, 4, 3 7yr: 8,8,7,7,6,6,5 10yr:8,8,7,7,6,6,5,5,4,4 9 Year: 7, 7, 7, 7, 7, 7, 6, 4, 2 $5,000 minimum NQ & Q $25,000 NQ & Q $15,000 NQ & Q $20,000 NQ & Q $1,000,000 max up to age NQ & Q 0-80 NQ & Q 4& 5yr: 0-86, 7yr: 0-85, 10yr: Q & NQ NY, UT AK,ME,NH,NY,SC,UT,VT,WA MVA & nonmva: AK,HI,IL,MA,MN, Minimum guarantee varies by CA, DE, NY, OR NY 10 yr NOT approved in OR NV,NJ,NY,OR,WA. state, please call for details MVA:FL,IN,MD,PA,SD,TX,UT,VT Interest only after 30 days. Last 12 months of interest minus any Interest only after 30 days. Interest only during year 1. 10% after the 1st year. prior withdrawals in that period 10% after the 1st year. 10% annually after year 1. After 3rd year. MVA still applies. After 13 months. Life w/10, 15, or 20 and During 30-day window. After 2nd year. Joint w/10. GEC may offer other options. Any payout option Year 7 Year yr 1.50% 0.50% 2.00% 2.75% 5 yr Suspended 4 yr 2.00% 0.50% 2.00% 4 yr 2.00% 1.00% Ages 76-80: 1.35% 2.15% 7 yr 2.50% 5 yr 2.50% 0.50% Ages 76-80: 1.25% 5 & 10 yr 4.00% 2.00% 0.70% 1.50% 10 yr 3.25% 7 yr 1.00% 0.50% 6, 7, & 8 yr 2.50% 0.50% 10 yr 3.50% 1.50% for products 9 yr 1.00% Trail option available 30 day window at end of rate lock. Disability and Confinement waivers. Medical Care Facility waiver. Nursing Home/Terminal Illness waiver. 30 day window at end of rate period $500,000 maximum premium over age 75. MVA and Non-MVA. Varies by state. Confinement and Terminal Illness Waivers. CrumpLifeInsurance.com Page 2 of 6

4 Interest Rate/ Guaranteed Period Lincoln Benefit Life Lincoln Financial Group Minnesota Life Tactician Plus New Directions 6 Classic Series MYGuarantee Plus Secure Option Select 88 Comdex 88 Comdex 88 Comdex 88 Comdex 94 Comdex 5 year 1.50% <$100K $ Year < $100k $100k+ 6 year 1.80% < $100K: 2.55% 5 year 3 year 1.35% 1.50% 1.75% 1.95% 7 year 1.80% > $100K: 2.75% <$100K: / 2.00% (yrs 2-5) 4 year 1.80% 1.95% 8 year 2.00% >$100K: 4.00% / 2.00% (yrs 2-5) 5 year 2.55% 2.70% 7 Year < $100k $100k+ 9 year 2.65% 7 year 6 year 2.70% 2.85% 2.40% 2.60% 10 year 2.45% **SPECIAL NOTE** <$100K: 4.10% / 2.10% (yrs 2-7) 7 year 2.90% 3.05% New Directions is an Indexed Annuity. >$100K: 5.10% / 2.10% (yrs 2-7) 8 year 2.95% 3.10% 9 Year < $100k $100k+ 1.05% minimum guarantee* Amounts allocated into the fixed 9 year 3.15% 2.95% 3.15% *1.15% in CT and OR account are guaranteed for 6 years. 1.00% minimum guarantee 10 year 3.05% 3.20% 10 years: 8, 8, 8, 7, 6, 5, 4, 3, 2, 1 $10,000 NQ $3,000 Q ($1,000 additional) 6 years: 9, 8, 7, 6, 4.75, yr: 9,8,7,6,5 7 yr: 9, 8, 7, 6, 5, 4, 3 7, 7, 6, 5, 4, 3, 2, 0 Surrender will match guaranteed period* 9 years: 9, 9, 8, 7, 6, 5, 4, 3, 2 (85 max in OK) for products NY (Approved in OR ONLY as an ) NY, MN, MS, NY, IL, MN, MO, NV NY, WA Variable License Required to sell in: AL,AK,CA,CT,IN,MI.MN,MO,NJ,WI After 2nd year. (After 1st Yr in FL) After 5th Year. (After 1st Yr in FL) After 5th Year. (After 1st Yr in FL) During 30-day window. Any payout option. 5 yr 7 yr , 7, 8, 10 yr 4.00% 3.50% 4.00% 5.00% 3-4 year 1.00% 0.65% 0.50% 5 Year 6 and 9 year 2.00% Ages 76-80: 2.75% Ages 76-80: 2.75% 3.50% 5 year 2.00% 1.30% 0.75% 7 Year 3.50% Ages 81+: 1.75% 1.50% 1.75% 6 year 2.25% 1.50% 0.75% 9 Year 4.00% Please contact your sales rep for 7-10 year 2.50% 1.60% 1.00% older ages & premium maximums 30 day window at end of period with no charges. Nursing home and terminal illness waivers Nursing home and terminal illness waivers. *Surrender schedule does not renew at end of guaranteed period. This product does NOT offer any type of confinement/nursing home waiver 30 day window at end of rate period. Nursing Home Waiver. CrumpLifeInsurance.com Page 3 of 6

5 AL, AK, CT, DE, MN, MO, OR, TX, UT VA, and WA Current year interest only. 2.50% 1.88% Ages 86-90: 1.25% 0.25% lower in FL and IL In OK and IN it reduces at age 76 and at age 81. *30-day window at end of rate period otherwise it automatically renews. Company North American Principal The Standard Sun Life Financial Guarantee Choice Select Series Secure 4 & 6 Focused Growth Annuity Keyport Value 5 yr 92 Comdex 92 Comdex 92 Comdex 88 Comdex 95 Comdex Stepped-Up Bonus Option Interest Rate/ <$200k $200k + 3 year 1.30% 5 Year Base Rate: 1.50% Guaranteed Period 4 Year 2.10% 2.40% 4 year: 1.55% <$100k: 2.45% yr % 5 Year 2.80% 3.05% 6 year 1.95% >$100k: 2.55% yr % 6 Year 2.90% 3.15% 6 year: 2.00% yr % 7 Year 3.20% 3.40% 9 year 2.00% 6 Year yr % 8 Year 3.20% 3.40% Additional.20 for premium $100k+ <$100k: Avg Yield 1.70% 9 Year 3.20% 3.40% on 6yr and 9yr guarantee. >$100k: 3.10% 10 Year 3.40% 3.60% Additional.15 for premium $50k+ 1.00% minimum guarantee 1.00% minimum guarantee 10, 10, 10, 10, 10, 9, 8, 6, 4, 2 3yr: 7,7,7 6yr: 7,7,7,6,5,4 4 yr: 7, 6, 6, 5 Surrender will match guaranteed period* 9yr: 7,7,7,6,5,4,3,2,1 6 yr: 7, 6, 6, 5, 5, 4 6 years: 8, 7, 6, 5, 4, 3 5 years: 7, 6, 5, 4, 3 $10,000 NQ $5,000 minimum NQ & Q $15,000 NQ & Q $2,000 Q $1,000,000 max without aproval (85 in IN and OK) 0-90 NQ in OK 0-85 Q for products DE, MN, NY, PA Variation for WA. Please call for details. Available in all states 15% available immediately NJ, NY, PA Interest only after 30 days Anytime (after 1st year in NY) Anytime (after 1st year in NY) Anytime. 3 yr Ages 0-79: 1.00% Secure % 5 yr Ages 80-85: 0.50% Option A 1.50% 1.50% 6 yr Ages 0-79: 3.25% Ages 86-90: 0.75% Ages 86-90: 1.35% Ages 80-85: 1.60% 9 yr Ages 0-79: 5.00% Secure 6 6 yr 2.00% Ages 80-85: 2.50% Option A 2.00% 1.00% Ages 86-90: 1.05% Ages 86-90: 0.77% Non- 30 day window at end of rate Confinement and Terminal Illness Nursing Home waivers in all guarantee period. Waivers. states except for MA. Guaranteed Return of Premium. AK, OR, VT Comp chargeback on w/drawals during yr % Ages 81-90: 1.00% First year bonus option also available. Nursing home waivers. ** Rate Lock only applies to 1035 and IRA transfers ** CrumpLifeInsurance.com Page 4 of 6

6 Sun Life Financial Symetra Transamerica United of Omaha Keyport Value 6 yr Keyport Value 7 yr Custom 5 & 7 Select Ultra Secure Plus A Standard & Poors AA- Standard & Poor"s A3 Moody's 95 Comdex 95 Comdex 80 Comdex 91 Comdex 96 Comdex Stepped-Up Bonus Option Stepped-Up Bonus Option 5 yr option 1st Year Years year Interest Rate/ Base Rate: 1.60% Base Rate: 2.00% $10K - $49, % 1.50% < $50k: 2.75% / 1.75% (yrs 2-5) Guaranteed Period yr % yr % $50K - $99, % 1.50% < $100k $100k+ > $50k: 2.90% / 1.90% (yrs 2-5) yr % yr % $100K-$249, % 1.75% 4 year 1.50% 1.75% yr % yr % $250, % 1.80% 5 year 1.60% 1.85% 7 year yr % yr % 7 yr Option 1st Year Years year 1.70% 1.95% < $50k: 2.40% yr % yr % $10K - $49, % 2.10% 7 year 2.00% 2.25% > $50k: 2.55% Avg Yield 1.85% yr % $50K - $99, % 8 year 2.25% 2.50% Additional.15 for premium $50k+ Avg Yield 2.30% $100K-$249, % 2.65% Additional.15 for premium $50k+ $250, % 2.70% 6 years: 7, 6, 5, 4, 3, 2 7 years: 7, 6, 5, 4, 3, 2, 1 5 years: 7, 7, 7, 6, 5, 0 5 year: 6, 6, 6, 6, 5 8 years: 8, 7, 6, 5, 4, 3, 2, 1 7 years: 8, 8, 7, 7, 6, 5, 4, 0 7 year: 6, 6, 6, 6, 5, 4, 3 $10,000 NQ $2,000 Q 0-90 (2-4 yr options) 85 in OK & MN 0-85 (5-8 yr options) 0-89 NQ & Q AK, OR, VT AK, OR, VT Approved in all states DE, MS, MT, NV, NY, TX, VA CA, CT, DE, NJ, NY, OR for products Comp chargeback on w/drawals during yr % First year bonus option also available. Nursing Home waivers. ** Rate Lock only applies to 1035 and IRA transfers ** Comp chargeback on w/drawals during yr % First year bonus option also available. Nursing Home waivers. ** Rate Lock only applies to 1035 and IRA transfers ** CrumpLifeInsurance.com Interest only withdrawals Lifetime options 5 yr 2.50% 7 yr 4.00% Ages 0-90: 2 year & 3 year: 1.75% 4.00% Ages 76-85: 1.50% 2.50% 4 year: 2.25% Ages 76-80: Ages 86-90: 1.00% 1.50% Ages 81-89: 2.00% Ages 0-85: 5 year: 3.25% Commission is 50bps lower in 6, 7, & 8 year: 3.50% IN, MA, SC, TX and UT Non- Non- Return of Premium available at lower rates Nursing Home and Terminal Illness Return of Premium Nursing Home Waiver waivers. 30 day window at end of surrender period. LTC, Unemployment, and Disability Waivers Page 5 of 6

7 Interest Rate/ Guaranteed Period West Coast Western National Life Sure Advantage Security Builder 5 Flex 5 & 7 MVA A Best 87 Comdex 2 Year 3 Year Suspended Suspended 5 Year MVA Option < $100k: 1.70% 5 Year Guarantee Period < $100,000: 1.95% 4 Year 1.50% > $100k: 1.90% : 2.15% 5 Year 6 Year 1.50% 1.75% Step-up Option < $100k: > $100k: 7 Year Guarantee Period 7 Year 2.15% Year % 1.45% < $100,000: 2.55% 8 Year 2.45% Year % 1.60% : 2.75% 9 Year 2.65% Year % 1.75% 10 Year 2.80% Year % 1.90% *1st year bonus on deposits $100k+ Year % 2.05% 1.00% minimum guarantee Yield 1.55% 1.75% 9 years: 8.5, 7.5, 6.5, 5.5, 4.5, 3.5, 5 years: 9, 8, 7, 6, 5, 0 5 years: 7, 7, 6, 5, 3 2.5, 1.5,.5 7 years: 9, 8, 7, 6, 5, 4, 2, 0 $5,000 NQ $2,000 minimum additional deposit $2,000 Q 0-90 NQ 0-70 Q for products DE, MN, NY, VT Interest only withdrawals Only during 30-day window. Any payout option. 2 Year: 3 Year: 4 Year: 5-10 Years: Ages 0-75Ages 76+ Return of Premium Guarantee. Extended Care Rider. Rolling surrender.*.50% 1st year premium bonus on 3-4 years, 1.00% 1st year premium bonus on 5-10 years. 30 day window at end of rate guarantee period.nursing Home waivers. Optional Money Back Guarantee at cost. MN, NY* *Sold under the FSA name in NY 15% available immediately 2.00% 0.75% Step-up option does NOT have MVA. Return of Premium Guarantee. Extended Care and Terminal Illness Waivers. IL, MN, NY Ages 0-85: Ages 86-90: Ages 0-85: Ages 86-90: CrumpLifeInsurance.com 15% available immediately Flex % 0.75% Flex % 1.00% Page 6 of 6