Index Annuity Spreadsheet

As of 08/12/08 INDEX ANNUITY SPREADSHEET This spreadsheet is intended for use as a guide, see company literature for details Carrier Allianz Allianz Allianz Allianz Allianz Ratings A.M. Best A A.M. Best A A.M. Best A A.M. Best A A.M. Best A S&P AA- S&P AA- S&P AA- S&P AA- S&P AA- Assets 62.8 Billion 62.8 Billion 62.8 Billion 62.8 Billion 62.8 Billion Product Name Endurance 10 Endurance 15 MasterDex MasterDex 5 MasterDex 10 Crediting Method 10 % Premium 15% Premium One Crediting 7% Premium Bonus 12% Premium Bonus Bonus* Bonus* Method in 1st 5 years until 09- in 1st 5 years until 09- 15-08, contact CPS 15-08, contact CPS 1) Annual reset/ratchet 1) Annual reset/ratchet Annual Reset/Ratchet for more details for more details Point to Point Point to Point Monthly Pt-Pt 2) Annual Reset/Ratchet 2) Annual Reset/Ratchet Annual Reset/Ratchet Annual Reset/Ratchet Monthly Point to Point Monthly Point to Point Fixed Acct Monthly Pt-Pt Monthly Pt-Pt 3) Annual Reset/Ratchet 3) Annual Reset/Ratchet Monthly Average w/ Monthly Average Choice of S&P 500 or Fixed Acct Fixed Acct. Spread 4) Fixed Acct NASDA 100 4) Fixed Acct Choice of S&P 500 or Choice of S&P 500 or Choice of S&P 500, NASDAQ 100 NASDAQ 100 Choice of S&P 500, NASDAQ 100, FTSE or NASDAQ 100, FTSE or Blended Index(BL) Blended Index(BL) Premium Listing Flexible for 3 years Flexible for 3 years Flexible for 3 Years Flexible for 5 Years Flexible for 5 Years $25 min $25 min $25 min $25 min $25 min Crediting Rates 100% PR guaranteed 100% PR guaranteed 100% PR guaranteed 100% PR guaranteed 100% PR guaranteed __NAS S&P FTSE BL __NAS S&P FTSE BL 1) 6.25 6.25 6.75 7.25 1) 6.25 6.25 6.75 7.25 Monthly Cap – 2.6% Monthly Cap – 2.4% Monthly Cap–2.90% 2) 3.10 2.60 2.50 N/Av 2) 3.10 2.60 2.50 N/Av 1% Minimum Cap 1% Minimum Cap 1% Minimum Cap 3) 5.00 3.10 2.50 .80 3) 5.00 3.10 2.50 .80

4) 2.75 4) 2.75 Fixed Acct. – 2.25% Fixed Acct. – 2.25% Fixed Acct. – 3.25% (2.0% Min.) (2.0% Min.) (2.0% Min.)

Commission Yr1 Yrs2-3 Trail Yr1 Yrs2-3 Trail Yr1 Yrs2&3 Trail Yr1 Yrs2-5 Trail Yr1 Yrs2-5 Trail A 5.0 2.5 0 A *9.0 4.0 0 A 7.0 3.5 0 A 9.0 4.5 0 A *10 4.5 0 B 3.0 1.5 .33 B *6.5 2.75 .33 B 5.0 2.5 0.5 B 7.0 3.5 0.5 B *8.0 3.5 0.5 C 0.5 0.25 1.0 C *3.0 1.0 1.0 C 3.0 1.5 1.0 C 4.5 2.25 1.0 C *5.5 2.25 1.0 Commissions reduced at Commissions reduced at Commissions reduced at Commissions reduced at Commissions reduced at ages 76+ ages 76+ ages 76+ ages 76+ ages 76+ Issue Ages 0-80 Q or NQ 0-80 Q or NQ 0-85 Q or NQ 0-85 Q or NQ 0-85 Q or NQ Minimum Issue $10,000 Q and NQ $10,000 Q and NQ $10,000 Q and NQ $10,000 Q and NQ $2000 Q / $5000 NQ Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 (approval req. 500k+) (approval req. 500k+) (approval req. 500k+) (approval req. 500k+) (approval req. 500k+) Free Annual Partial 10% of prem. per yr 10% of prem. per yr 10% of prem. per yr 10% of prem. per yr 10% of prem. per yr Withdrawal up to 50% total up to 50% total up to 50% total up to 50% total up to 50% total Surrender Charges 7 years 10 Years 7 years 10 years Client can take lump 9/8/7/6/5/4/3 9.1/8.19/7.28/6.37/5.4 10/9/8/7/6/5/4 15/14/13/12/11/10/9/87/6 sum of 87.5% of 6/4.55/3.64/2.73/1.82/ (+/- MVA) (+/- MVA) premium at 1.5% .91 Minimum Guarantee 90% of premium at 90% of premium at 75% of premium at 80% of premium at 75% of premium at 1.5-3% (floating) 1.5-3% (floating) 3% 3% 3% Comments *Prem. bonus is credited *Prem. Bonus credited to Additional deposits Additional deposits two-tiered product, client to the EWB value, EWB the EWB value, EWB allowed in 1st 3 years – allowed in 1st 5 years will must annuitize this receives 110% index receives 110% index do not reset surrender receive bonus and do contract for 10yr min earnings earnings not reset surrender anytime after 5th yr Trail commission options *Increase of 1% comp Addt’l depos do not reset *Increase of 1% comp start in 2nd year, based Trail commission options through issue dates until surrender through issue dates until on AV at beginning of start in 2nd year, based 09.30.2008, call CPS for 09.30.2008, call CPS for the year on AV at beginning of more details After seven years, client more details the year Additional deposits may access the EWB Death Benefit = AV allowed in 1st 5 years will value by choosing one of Addt’l depos do not reset Lump Sum Death Benefit = AV receive bonus and do two options (Scheduled surrender Lump Sum not reset surrender w/d over a period as NH Waiver – 30 days, short as 10 years or After ten years, client after year 1, n/a in KS NH Waiver – 30 days, Trail commission options Guar. w/d for life) may access the EWB after year 1, n/a in KS start in 2nd year, based Can annuitize after year value by choosing one of Client can walk away on AV at beginning of 5 for full A.V (does not two options (Scheduled after 7 years Client can walk away the year include prem bonus or w/d over a period as after 10 years Death Benefit option of interest enhancement) short as 10 years or surrender value or Death and Nursing Guar. % w/d for life *Similar product payout of 5 yrs (min.) Home Benefit Available depending on age) available in New York and vary state to state Death and Nursing NH Waiver – 30 days, Home Benefit Available after year 1, n/a in KS – and vary state to state 20% or IO Product NOT in DE,HI,IL,IA,MD, DE,HI,IL,IA,MD, NY, OR, UT NY*, OR, UT NJ, NY,OR, UT, WA these states MA,MN,MS,NJ,NY,OK MA,MN,MS,NJ,NY,OK OR,PA,UT,VT,WA OR,PA,UT,VT,WA

3) Annual Reset/Ratchet 3) Annual Reset/Ratchet Reset/Ratchet 4) Ann Reset/Ratchet pt- to-pt with 100% PR rate Point to Point w/ PR Point to Point w/ PR 3) Fixed to-pt with 80% PR rate 4) Ann Reset/Ratchet pt- 4) Annual reste/Ratchet 4) Annual reste/Ratchet 5) Ann Reset/Ratchet pt- to-pt with adjustable PR Monthly Point to Point Monthly Point to Point S&P 500 Index to-pt with adjustable PR rate rate *Blended Index *Blended Index S&P 500 Index S&P 500 Index Premium Listing Single Flexible Single Single Single $2,000 min addt’l ($100/mo EFT) Crediting Rates 6 8___ 9yr 12yr 5yr 7yr __ 9yr Rates: 1) 4.40% 1) 4.40% 4.70% 2yr- 20.00% 20.00% 1) 4.05% 4.65% 5.10% 1) 4.30% 2) 7.75% 2) 7.75% 8.25% MoPt- 2.50% 2.50% 2) 3.00% 2.00% 1.25% 2) 3.00% 3) 45.0% 3) 45.0% 45.0% Fixed- 4.45% 4.55% 3) 8.50% 10.0% 11.0% 3) 9.00% 4) 2.60% 4) 2.60% 2.60% 4) 9.00% 10.5% 11.5% 100% PR guar. 5) 40% 45% 50% 4) 45% Minimums Minimums 2yr Min. CAP – 5% 1) 2.0% 1) 2.0% Mo.Cap Min. – 1% 1) Min Rate (2.00%) Minimums: 2) 2.0% 2) 2.0% Fixed Min. – 2.0% 2) Max Spread (8.00%) 1) 2% 3) 30% 3) 30% 3) Min Cap. (2.00%) 2) 8% 4)1.0% 4)1.0% 4) Min Cap. (2.00%) 3) 2% 5) Min PR (30%) 4) 30% Commission 6yr 8yr__ 9yr 12yr 5yr 7yr _ 9yr 00-75: 7.0% 00-75: 5.0% 6.0% 0-75 7.0% 9.0% 0-75 5% 6% 6% Ages 0 – 75 = 8% 76-80: 4.5% 76-80: 4.5% 4.75% 76-80 4.5% 5.0% 76-85 4% 5% (reduced in OK) 81-85: 4.25% 81-85 3.0% 3.5% 76-80 5% Issue Ages 0-80 0-85 0-85 Q or NQ 0-85 (5&7) 0-80 (9) 0-75 Q or NQ Minimum Issue $15,000 Q and NQ $2,000 Q and $5,000 $5,000 Q and NQ $15,000 Q and NQ $20,000 Q and NQ NQ Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 (approval req. 500k+ above age 75) Free Annual Partial 10% Immediately 10% Immediately 10% after year one 10% immediately 10% immediately Withdrawal Surrender Charges 10/10/10/10/10/9 8/7/6/5/4/3-6 yrs 10/10/9/8/7/6/5/4/2-9yr 9/7.5/6/4.5/3 – 5 yr 10 Years /8/7/6/4 -10 yrs 8/7/6/5/4/3/2/1-8 yrs 12/12/12/12/12/11 9/8/7/6/5/4/3 – 7 yr 17/16/15/14/13/ (+/- MVA) (+/- MVA) 10/9/8/7/5/3 – 12yr 10/9/8/7/6/5/4/3/2 – 9 yr 10/9/8/7/6 (+/- MVA) (+ or – MVA) (+/- MVA) Minimum Guarantee 100% of premium at 90% of Premium at 90% of premium at 90% of premium at 3% 90% of premium at 3% 3% 3% 3% Comments Nursing Home Waiver Nursing Home Waiver Nursing home waiver-full Nursing Home Nursing Home st 90 days After Year one – 90 days After Year one – surrender after 1 policy Waiver - full Waiver - full Full AV Full AV year after 90days in surrender after 1st surrender after 1st nursing home policy year after 90 policy year after 90 *Blended Index is *Blended Index is weighted using 3 weighted using 3 Early annuitization days in nursing home days in nursing home indices; DJ Eurostoxx indices; DJ Eurostoxx available after yr 5 for 5 50, S&P 500 and Nikkei 50, S&P 500 and Nikkei yr min. payout Early annuitization Early annuitization 225 w/ this calculation; 225 w/ this calculation; available after yr 5 for available after yr 5 for 50% = highest return 50% = highest return Can reallocate between nd nd 5 yr min. payout 5 yr min. payout 30% = 2 highest 30% = 2 highest accounts every policy 20% = lowest return 20% = lowest return anniv. Can reallocate Can reallocate * Premium Bonus between accounts between accounts reduced by 1% if Lump every policy anniv. every policy anniv. Sum A.V. chosen *5 and 7 year only 9 year avail in CT available in AK

Product NOT in AK,CT,DE,MN,NV,NJ, CT,NV,NJ,NY,OR,VT AK, MN, NJ, NY, OK, AK*,CT,DE,IL,MN,NJ, AK,DE,HI, IL, MN, MS, MT, NY,OR,PA,UT,VT,WA OR, UT, VT, WA NY, OR,PA,UT,VT,WA NV, NJ, NY, OR,PA,UT,VT, these states WA

to-pt with PR S&P 500 Index S&P 500 Index Premium Listing Flexible $100 min Flexible $100 min Flexible $100 min Flexible $1,000 min Single addt’l addt’l addt’l addt’l Crediting Rates <$75K 75K+_ 5 yr <$75K 75K+_ Rates: 100% PR guaranteed 1) 4.75% 4.50% 1) 3.20% 3.75% 7 year 10 year 2) 6.0% 7.0% 2) 7.75% 8.50% 10 year rates Below 75k 75k+ 1) 8.00% 8.00% 3) 1.90% 2.10% 3) 4.00% 3.00% 1) 9.00% 10.0% Below $75K / 75K+ _ 4) 30% 35% 4) 2.20% 2.45% 2) 45% 50% 2) 4.00% 3.70% 1) 3.05% 3.45% 5) 5.0% 5.0% 5) 35% 40% 3) 4.05% 4.25% Minimum Caps 2) 7.25% 8.00% 1) Years 2-7 (4%) 6) 5.75% 6.75% 7 yr <$75K 75K+_ 3) 4.50% 3.50% 2) after yr 7 and 10 7) 6.75% 7.75% 1) 3.40% 3.85% 4) 2.10% 2.45% Minimums 8) 2.80% 3.00% 2) 8.00% 8.75% 5) 35% 40% 1) 4.0% (2%) 3) 4.00% 3.00% 2) 25% 4) 2.20% 2.45% 3) no min. 5) 35% 40% Plus rates Below $75K / 75K+ _ 1) 2.95% 3.15% 2) 6.50% 7.50% 3) 5.00% 5.00% 4) 1.95% 2.30% 5) 35% 40% Commission 5yr 7yr Both Year 1 Yrs 2-5 7yr: 0-75 = 5%, 76-80 = 8% all ages 0-80 4% 5% 0-75 8.5% 0-80 = 6% 3% 4% 81-85 = 3% 81-85 3% 3.5% 76-82 7.0% 81-82 = 4.50% 2.25% 10yr: 0-75 = 8%, 76-80 = 6.5% 81-85 = 5% Issue Ages 0-80 Q or NQ 0-85 Q or NQ 0-82 Q or NQ 0-82 Q or NQ 0-85 Q or NQ Minimum Issue $5,000 Q and NQ $5,000 Q and NQ $5,000 Q and NQ $10,000 Q and NQ $4000 Q / $5000 NQ Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 Free Annual Partial ^10% immediately 10% after year one 10% after year one 10% after year one 10% after year one Withdrawal Surrender Charges 12/12/12/11/10/9/8/7/6/4 5 years 10 years 10yrs: 7 years 10 years 8/7/6/5/4 10/9/8/7/6/5/4/3/2/1 12/12/12/11/10/9/8/7/6/4 7/7/6/5/4/3/2 (+/- MVA) 7 years Select (+or-MVA) 10 years 9/8/7/6/5/4/3 16/15/14/13/12/ 9/9/8/7/6/5/4/3/2/1 (+ or- MVA) 11/10/8/6/4 (+or- MVA on Both) Minimum Guarantee *100% of premium at 1% 87.5% of premium at 87.5% of premium at 87.5% of premium at 90% of premium at 3% 1.40% 1.40% 1.40% Comments Addt’ deposits do not Addt’ deposits do not Addt’ deposits do not NH Waiver 60 days after 7 and 10 year option reset surrender reset surrender reset surrender year one Nursing Home waiver – 60 day NH & Disability ^cumulative up to 20% Nursing Home waiver – 100% of A.V.after yr 1 if TI Waiver after year one Waivers available 100% of A.V.after yr 1 if confined for 60 days, *Min guarantee includes confined for 60 days T.I. waiver available Early annuitization No early annuitization 10% prem bonus available after year one option T.I. waiver available Can annuitize after year for min 10 years Guarantee Purchase 1 for a minimum of 10 Return of Premium, option – additional 10% Can annuitize after year years Client benefits from Lifetime Income and bonus if annuitized over 1 for a minimum of 10 Client benefits from better of 87.5% at 1.40% Enhanced Death Benefit 10 years or more after years better of 87.5% at 1.40% or Floor of 1% Rider available – Please year 10 or Floor of 1% call CPS for details Client benefits from -Plus Product Not Avail Avail Income Edge Life better of 87.5% at 1.40% in: NJ,NY,OR,PA Benefit Rider For ROP deduct .20% Avail Income Edge Life or Floor of 1% Avail Income Edge Life from Fixed Rate Option Benefit Rider Benefit Rider and/or .50% from CAP Avail Income Edge Life rate Benefit Rider Product NOT in AK,CT,DE,MN,MS,NH,NJ, NY NY CT,DE,IN,MN,MS, MD,MA,MN,NY,OK,OR, these states NV,NY,OR,PA,TX,UT,VT NC,NJ,NV,NY,OR,PA, PA,TX,UT, VT, WA WA UT,VA,VT,WA

3420 E. Shea Blvd, #152, Phoenix, AZ 85028 (602) 494-9500 / (800) 516-0283 / FAX (602) 494-0500 / www.lbiusa.com As of 08/12/08

INDEX ANNUITY SPREADSHEET This spreadsheet is intended for use as a guide, see company literature for details Carrier American National Americo EquiTrust EquiTrust EquiTrust Ratings A.M. Best A+ A.M. Best A- A.M. Best A A.M. Best A A.M. Best A S&P AA S&P A- S&P A S&P A S&P A Assets 13.2 Billion 3.5 Billion 5.4 Billion 5.4 Billion 5.4 billion Product Name Value Lock 7 & 10 Elite Provider MarketPower Bonus MarketTen Bonus Market Value Index Index Index Crediting Method Premium Bonus 5 Crediting Methods 10% 1st Year Premium 7 % Premium Bonus for 5 Account Options st 7 year = N/A 1) Ann. Reset/Ratchet Bonus 1 5 Years 10 year = 5.0% Monthly Avg. w/ Spread 1) Annual Reset/Ratchet 4 Crediting Methods 1) Annual Reset/Ratchet 2) Ann. Reset/Ratchet Pt-Pt Pt-to-Pt Monthly average, point to Monthly Avg. w/ Cap 2) Annual Reset/Ratchet 1) Fixed Account 2) Annual Reset/Ratchet point, with one-time lock- 3) Ann. Reset/Ratchet Daily Avg. Mo Avg. with Cap in of interest gained Point to Point w/ PR and 3) 2 year Reset/Ratchet 2) Annual Reset/Ratchet 3) 2 year reset Mo Avg. Spread Monthly Avg. pt-to-pt w/ PR 4) Annual Reset/Ratchet 4) Ann. Reset/Ratchet 4) Annual Reset/Ratchet Mo. Avg. with Point to Point with PR Mo. Avg. with 3) Annual Reset/Ratchet Participation S&P 500 Index and Cap Participation Mo. Avg 5) Fixed Account 5) Fixed Acct. 5) Fixed Account S&P 500 Index S&P 500 Index 4)Annual Reset/Ratchet S&P 500 Index Mo. Pt-to-pt

S&P 500 Premium Listing Single Flexible Single – Addt’l deposits Flexible Flexible $1,000 min addt’l only in yr 1 $2,000 min add’l Crediting Rates 100% participation Rates: Pt-Pt Cap–7.50% 1) 3.50% Pt-to-Pt Cap –8.25% rate guaranteed Cap Spread PR Daily Avg Cap–9.00% 2) 50% Mo Avg Cap – 10.0% 1) none 4.50% 100% 2yr Mo Avg– No Cap 3) 70% 2yr Mo Avg– No Cap 2) 9.0% none 100% Mo. Avg Part – 70% Mo. Avg Part – 80% NO CAP guaranteed 3) none 0.00% 45% Fixed Acct – 3.50% 4) 2.75% Fixed Acct – 4.25% 4) 8.0% 0.00% 100% Minimum Caps – Minimums: Minimum Caps – Min Caps/Max Sprds: 5% on Pt-Pt 1) 2% 5% on Pt-Pt Cap Spread PR 6% on Daily Avg 2) 20% 6% on Mo. Avg 1) n/a 15% 100% 12% on 2yr Mo. Avg. 3) 50% 12% on 2yr Mo. Avg. 2) 5% 0% 100% 50% on Mo Avg. Part 4) .50% 50% on Mo Avg. Part 3) n/a 4.00% 25% Min. Fixed – 2.0% Min. Fixed – 2.0% 4) 5% 4.00% 25% Commission 7 year 0-75 = 8% 8.5% all ages 10% for all ages 0-75 = 6%, 76-80 = 4% 76-80 = 5.5% Comp. Reduced in 6.5% all ages Comm. reduced in 10 year 81-85 = 4% AK & IL CT, MN, and WA 0-75 = 10%, 76-80 = 8% (reduced in UT, NJ, CT) Issue Ages 0-80 Q or NQ **0-85 Q or NQ *0-80 Q or NQ 0-80 Q or NQ *0-80 Q or NQ Minimum Issue $4000 Q / $5000 NQ *$2,000 Q / 5,000 NQ $2000 Q / $5000 NQ $30,000 Q/ NQ $2000 Q / $5000 NQ Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 Free Annual Partial 10% after year one 10% after year one 10% after year one 10% after year one 10% after year one Withdrawal Surrender Charges 7 years 10 Years 14 years 10 years 10 years 8/8/7/6/5/4/2 12/11/10/9/ 20/20/19/19/18/17/1614/ 10/10/10/10/10/9/8/7/6/4/ 12/12/12/12/11/10/8/64/2 10 years 8/7/6/5/4/2 12/10/8/6/4/2 (+/- MVA) (+ or – MVA) 12/12/11/10/ (+ or – MVA) 9/8/7/6/5/3 Minimum Guarantee *88.75% of premium at 87.5% of the premium at 87.5% of premium at 100% of premium at 87.5% of premium at 1.75% 2.30% 3% 3% 3% Comments *10 year minimum Nursing Home Waiver Nursing home waiver up Nursing home waiver up Add’l deposits do not guarantee = 90.0% of – Full surrender to issue age 80 – N/Av in to issue age 80 – all reset surrender premium at 1.75% immediately avail - MA states Nursing home waiver up 10 year not available in 90days Can annuitize after yr5 Subsequent premiums to issue age 80 – all CT, MA, PA, WA for 10yr Minimum added to fixed account states Early annuitization and reallocated on 60 day NH & Disability after yr 5 for 5 years IL has a different contract anniversary Can annuitize after yr5 Waivers available min. payout surrender schedule for 5yr Minimum (10 year product) Client may reallocate Death Benefit will trigger **issues to ages 0-56 every contract Modified surrender lock-in option and gains Issue ages differ in IN (0- anniversary, after a charge schedule for CT, in WA will be paid out at that 76) and KY (0-78) transfer, remaining MN and WA – Call for time balance, if any in a given details Gains are credited at the *403(b) min issue Mo. Avg Part N/App in option must be at least end of the index term or amount = $83.33 per every state – Call CPS $2,000 2 year Mo. Avg. N/Av in at the lock in date, month EFT for your state DE, Mo. Avg Part N/Av in whichever is earlier every state – Call CPS for your state Product NOT in IL,MN, NJ,NY,ND,OR, IL, MA, OR, NY CT, DE, MN, NY, OR, AK, CT, DE, HI, IL, MN, NY, OR these states UT, VT UT, WA MS, MT, NY, OK, OR, TN, UT, WA, WY

3420 E. Shea Blvd, #152, Phoenix, AZ 85028 (602) 494-9500 / (800) 516-0283 / FAX (602) 494-0500 / www.lbiusa.com As of 08/12/08 INDEX ANNUITY SPREADSHEET This spreadsheet is intended for use as a guide, see company literature for details Carrier Fort Dearborn Genworth Life Great American Great American ING USA Ratings A.M. Best A+ A.M. Best A+ A.M. Best A A.M. Best A A.M. Best A+ S&P A+ S&P AA- S&P A- S&P A- S&P AA Assets 2.1 Billion 34.7 Billion 8.7 Billion 8.7 Billion 61.5 billion Product Name Index Fortifier 7, 9 & Secure Living American Icon American Valor II Envoy 3, 6 & 9 10 Classic Crediting Method Prem Bonus Annual Reset/Ratchet 2 Crediting Methods *7.5% Premium Bonus in 3 Crediting Methods 10yr-5% Point to Point first 3 years 4 crediting methods 1) Annual Reset/Ratchet 1) Annual Reset / 1) Annual/Reset Ratchet No fixed account point-to-point w/ Cap Ratchet Daily Average w/ Point to Point w/ Cap 1) Annual Reset/Ratchet 2) Annual Reset/Ratchet PR Pt-to-Pt Monthly Average with 2) Annual Reset / 2) Annual Reset/Ratchet 2)Annual Reset/Ratchet Cap Ratchet with Monthly Point to Point w/ PR Mo Avg Average Cap w/ Cap 3) Annual Reset / 3) Fixed Account 3) Annual Reset/Ratchet S&P 500 Index Ratchet Point to Point Mo Pt-to-Pt 4) Annual Reset / Blended index 4) Fixed Ratchet with Monthly 70% S&P 500 Average w/ spread 30% DJ EuroSTOXX 50 S&P 500 Index 5) Fixed Account S&P 500 Index S&P 500 Index Premium Listing Flexible Single Flexible Flexible $1,000 min addt’l $2,000 Q / $5,000 NQ $5,000 min addt’l Single Crediting Rates 7yr 9yr 10yr 100% PR Guaranteed 1) 75% PR, No Cap, no 15k 75k 1) 8.25 8.50 6.50 1) 100% PR, 8.00% (3% Spread (50% min) 3YR:1) 7.50% 9.00% 2) 9.50 10.25 7.50 min) 2) 9.50% (3% min, 100% 2) 40% 48% Cap 75k+ 3) 4.00% 4.00% 3) 2.85 2.95 2.35 7yr 8.00% 8.75% PR) 6YR:1) 8.25% 10.0% 4) 4.15 4.20 3.60 3) 7.25% (3% min) 2) 100% PR, 8.25% Cap, 2) 45% 50% Min: 1) 4.0% 4) 3% spread (100% PR, 3) 4.30% 4.30% Min yrs 2-7 5.00% No Spread (3% min cap, 2) 5.0% 9% max spread) 9YR:1) 9.25% 10.50% Thereafter 3.00% Max Spread = 7.75%) 3) 1.0% 5) 3.25% (3.0% Min) 2) 48% 53% 4) 1.5% 3) 4.55% 4.55% No Min. Caps/Max Spreads Commission 7 9 10 0-75 = 5.00% 0-75NQ / 18-75Q = 9.0% 0-75NQ / 18-75Q = 6.5% All Ages: 00-75:5.5 6.5 8.5 76-80 = 2.70% 76-80 = 7.65% 76-80 = 5.35% 3 yr 1% w/ .75% Trail 76-85:3.0 3.75 6.0 81-85 = 1.05% 81-85 = 4.40% 81-85 = 3.60% 6 yr 1.5% w/ .75% Trail 9 yr 6.5% (trails avail) Issue Ages 0-85 Q or NQ 0-85 Q and NQ 18-85 Q / 0-85 NQ 18-85 Q / 0-85 NQ 0-80 Q or NQ Minimum Issue $10,000 Q & NQ $2000 Q / $5000 NQ $10,000 Q and NQ $10,000 Q and NQ $15,000 Q and NQ Maximum Issue $750,000 $500,000 $750,000 $750,000 $1,000,000.00 Free Annual Partial 10% after year one 10% immediately 10% Immediately 10% Immediately 10% Immediately Withdrawal Surrender Charges 7yr: 9/9/8/7/6/5/4 7 years 10 years **10 years 9 Years 8yr: 12/12/12/10/8/6 9/9/8/7/6/5/4 10/9/8/7/6/5/4/3/2/1 10/9/8/7/6/5/4/3/2/1 9/9/9/9/8/4/6/5/4 9yr: 9/9/8/7/6/5/4/3/2 (+/- MVA) 10yr:12/12/12/10/10/9/8/ 6/4/2 Minimum Guarantee 100% of premium at 100% of premium at 90% of premium at 100% of premium at 100% of Premium at 2.55% 1.5% 3% 3% 2% Comments N/H waiver 60 days after N/H waiver available in 90 day N/H and terminal *Premium Bonus for Choice of three, six or year one most states, available Illness waiver – available payments received in nine year option after 90 days if confined in all states where first 3 years of contract TI waiver after 1st year w/ for 30 days. product is available and reduced at older 45 Days N/H waiver 6 months left to live, ages: available after year one N/Av in MA & OR Can annuitize after year After year four, the A.V. 0-57 – 7.5% waives surrender only 1 for a minimum of 10 will be increased by 5% if 58-69 – 6.25% Early annuitization years contract is annuitized for 70-85 – 5.0% 30 Day exit window to available after 5 years for seven + years – N/Av in Addt’l depos do not reset leave contract after 5 years min IN, NH, NJ, PA, UT and surrender guarantee period w/ out WA ** Under 58 – 12 year incurring surrender or Non rolling surrender product MVA charge on addt’l Mo. Avg. with Spread premiums option N/Av in UT 90 day N/H and terminal Available Income Illness waiver – available Protector rider 10YR N/Av in LTC Rider N/Av in MA, in all states where AK,CT,IL,MN,OK,PA,TX, NJ, and PA product is available UT,WA 8YR Also N/Av in MT Can annuitize after year 1 for a minimum of 7 years Product NOT in ND, NY, OR, UT, MN, MS, NY, OR, PA, AK, NY CT, IL, MN, NY DE, HI, MA, MS, these states UT NV, NJ, NY,OR, TX, VT

Crediting Rates 15K 75K 15K 75K 15K 75K 5yr 10yr 1) 4.85% 3.75% 1) 4.20% 2.95% 1) 4.20% 2.95% 1) 3.35% PR 100% 100% 2) 7.25% 8.50% 2) 8.50% 10.0% 2) 8.50% 10.0% 2) 2.85% CAP 6.00% 6.50% 3) 35% 40% 3) 40% 45% 3) 40% 45% 3) 4.15% Fixed 3.75% 4.0% 4) 2.40% 2.60% 4) 2.65% 2.95% 4) 2.65% 2.95% 5) 3.75% 3.75% 5) 4.25% 4.25% 5) 4.45% 4.45% Min. PR - 25% Min CAP – 2% for No Min. Caps/Max Spreads No Min. Caps/Max Spreads No Min. Caps/Max Spreads No Min. Caps/Max Spreads years 1-10, 3% policy years 11+ Commission 8% = 0 – 80 4% = 0 – 80 5% = 0 – 80 8% = 0 – 80 5 year 10 year Trail comp Available Trail comp Available Trail comp Available Trail comp Available 0-69 4.5% 5.5% 70-85 3.5% 4.5% Issue Ages *0-80 Q or NQ 0-80 Q or NQ 0-80 Q or NQ 0-80 Q or NQ 0-85 Q or NQ Minimum Issue $15,000 Q and NQ $15,000 Q and NQ $15,000 Q and NQ $5,000 Q and NQ $1,000 Q and NQ Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 Free Annual Partial Int. only in yr 1 Int. only in yr 1 Int. only in yr 1 10% after year one 10% after year one Withdrawal 10% after yr 1 10% after yr 1 10% after yr 1 Surrender Charges 10 years 5 years 7 years 10 years 5 years 16/15/14/13/12 8/7.5/6.5/5.5/4.5 10/10/10/10/9/8/7 10/10/10/10/9/8/7/6/5/4 8/7/6/5/4 11/10/8/6/4 (+ or – MVA) 10 Years** 10/10/9/9/8/8/7/6/5/4 Minimum Guarantee *87.5% of premium at *100% of premium at *100% of premium at 87.5% of premium at 2.0% on 100% of AV 3.0% 1.5% 3.0% 3% Comments Can annuitize after yr 5 -Death Benefit: Can annuitize after yr 1 Can annuitize after yr 1 N/H waiver: 25% if for a 10 yr. minimum Accumulation Value or for a min. of 10 yrs for 10 or more yrs confined for 60 days Min. Guarantee less after year one After yr 1 – 45 out of 60 surrender Addt’l deposits do not Surrender and MVA days Nursing Home or -Addt’l deposits do not reset surrender apply to total annual *60 day window after 5 Hospitalization Waiver reset surrender withdrawal if more than years to leave contract -Can annuitize after yr 1 After yr 1 – 45 out of 60 10% with no surrender 12 month or less TI for a min. of 10 yrs days Nursing Home or waiver available -After yr 1 – 45 out of 60 Hospitalization Waiver 30 day Nursing Home Add’l deposits do not days Nursing Home or waiver (n/a in MA, TX) reset surrender *Min. Guarantee for 1st Hospitalization Waiver 12 month or less TI 10 years, then will be -12 month or less TI waiver available Trail commissions Add’l deposit in EIA floating between 1.0%- waiver available available accts. Have own start 3.0% each contract ann. *Min. Guarantee for 1st 9 *Min. Guarantee for 1st 7 and end points Based on 5 year years, then will be years, then will be Flexible version still treasury less 1.25%% floating between 1.5%- floating between 1.0%- available in: MD, MS, 100% T.I. waiver 3.0% each contract ann. 3.0% each contract ann. NH, PA, UT *Issue ages 0-75 in IN Based on 5 year Based on 5 year -Available income treasury treasury less 1.25% protector rider Available Income less 1.25% Protector rider -Available Income Available Income Protector rider Protector rider

Similar product avail with min caps and spreads avail, contact CPS for more details Product NOT in AK, CT, DE, MN, NJ, NY, OR NY, OR NY, OR, WA AK, NJ, NY, OR, SC these states NY, OR, WA,

3420 E. Shea Blvd, #152, Phoenix, AZ 85028 (602) 494-9500 / (800) 516-0283 / FAX (602) 494-0500 / www.lbiusa.com As of 08/12/08 INDEX ANNUITY SPREADSHEET This spreadsheet is intended for use as a guide, see company literature for details Carrier Lafayette Life Lincoln Benefit Life Lincoln Benefit Life Lincoln Benefit Life Lincoln Benefit Life Ratings A.M. Best A++ A.M. Best A+ A.M. Best A+ A.M. Best A+ A.M. Best A+ S&P AA+ S&P AA S&P AA S&P AA S&P AA Assets 1.8 Billion 3.4 Billion (76 3.4 Billion (76 3.4 Billion (76 3.4 Billion (76 Billion Allstate) Billion Allstate) Billion Allstate) Billion Allstate) Product Name Marquis Saver’s Index Saver’s Index III Saver’s Index Plus Saver’s Index Centennial Premier Crediting Method 4 Crediting Options: Annual reset/ratchet Annual Reset/Ratchet 5 crediting methods 3% Premium Bonus 1) Annual Pt to Pt point to point 1) Ann. Reset/Ratchet 5 crediting methods Reset/Ratchet, pt-to-pt pt-to-pt 2 Crediting Options 2 Crediting Options 2) Ann. Reset/Ratchet 1) Ann. Reset/Ratchet 2) Annual Reset/Ratchet pt-to-pt w/ low water based on based on pt-to-pt w/ Mo. Avg. mark 2) Ann. Reset/Ratchet participation rate participation rate 3) Ann. Reset/Ratchet w/ pt-to-pt w/ low water 3) Annual Reset/Ratchet Mo. Avg mark Mo. Pt-to-Pt 4) Ann. Reset/Ratchet w/ 3) Ann. Reset/Ratchet w/ 4) Fixed Account Mo. Cap Mo. Avg 5) Fixed account 4) Ann. Reset/Ratchet w/ S&P 500 Index S&P 500 Index Mo. Cap S&P 500 Index S&P 500 Index 5) Fixed account Premium Listing Flexible. $84/mo. Single Flexible Single Single minimum additional Min. Add’l $250 Crediting Rates 100% P.R. Guar PR Cap 100k+ PR Cap 100k+ Under $100K 100K+ Under $100K 100K+ *3yr *5yr *7yr *10yr 60% 9.50% 10.0% 60% 8.50% 9.00% 1) 8.00% 8.50% 1) 7.50% 8.00% 1) 8.50%10% 10.25%10.5% 100% 8.50% 9.00% 100% 7.50% 8.00% 2) 7.75% 8.25% 2) 7.37% 7.87% 2) 9.0% 9.5% 10.5% 11% 3) 2.4% 2.6% 2.80%2.90% 3) 7.25% 8.25% 3) 6.50% 7.50% 4) 4.0% 4.5% 4.75% 5.0% Bailout Provision – client Bailout Provision – client 4) 2.00% 2.10% 4) 2.00% 2.10% Min CAP can leave contract if can leave contract if 5) 3.60% 3.60% 5) 3.25% 3.25% 1) 1.5% 2) 1.5% renewal cap is 2% less renewal cap is 2% less 3) 0.125% 4) 2.0% than issue cap than issue cap Min. fixed acct = 2.0% Min. fixed acct = 2.5%

100% PR Guaranteed 100% PR Guaranteed Commission 3yr 5yr 7yr 10yr 5% 0-75 8% 0-75 0-75 = 4% 0-75 = 7.25% 0-75 2% 4% 3.5% 76+ 5.5% 76+ 76-85 = 2.80% 76-85 = 5.075% 76-85 1% 3% Based on owner age Based on owner age Trail comp available w/ Trail comp available w/ 0-70 6% 8% Enhanced Rider Enhanced Rider 71-80 5% 7% 81-85 4% 5% Issue Ages 0-85 Q or NQ Owner 0-90, Annuitant Owner 0-90, Annuitant 0-85 Q or NQ 0-85 Q or NQ 0-75 Q or NQ 0-85 Q or NQ Minimum Issue $1,000 Q and NQ $10,000 Q and NQ $10,000 Q and NQ $10,000 Q and NQ $10,000 Q and NQ Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 Free Annual Partial Interest Only in Yr 1 10% after year one 10% after year one 10% after year one 10% after year one Withdrawal 10% after Yr 1 Surrender Charges 3 yr:7/5/3 7 years 10 years 5 years 10 years 5 yr:8/7/6/4/2 8/8/8/8/8/8/8 10/9/8/7/6/5/4/3/2/1 8/8/7/6/5 12/11/10/9/8/7/6/5 7 yr:8/7/6/5/4/3/2 10 yr:9/9/8/7/6/5/4/3/2/1 Minimum Guarantee 90% of premium at 90% of premium at 90% of premium at 100% of premium at 100% of premium at 3% 3% 3% 2.0% 2.5% Comments N/H waiver: 25% if Can annuitize after year Addt’l. deposits do not 5 year contract 10 year contract confined for 60 days 1 w/ no surrender – min. reset surrender after year one 3 years Confinement, TI, and Confinement, TI, and Can annuitize after yr 5 unemployment waiver unemployment waiver *Addt’l deposits receive 45 day window @ end of for 5 yr min. available available additional comps – 7th yr to move money check w/ CPS for details Confinement, Terminal Return of premium Return of premium Confinement, TI and Illness and guarantee rider available guarantee rider available Add’l deposits do not Unemployment waivers Unemployment waivers reset surrender available in most states available in most states -ADL Rider available – -ADL Rider available – Call for details Call for details Addt’l deposits go in to Saver’s Index I is filed *ADL Rider available – fixed acct. until policy under different name in Call for details *promotion valid for apps *promotion valid for apps allocation date – 15th of SC written through11/30/07 written through11/30/07 month *ADL Rider available – 100% T.I. waiver Call for details -Can annuitize after year 1 for min. of life Product NOT in AK, NY, VT NJ, NY, OR, VT OR, NY NY AK, CT, MN,NJ, these states PA,UT,WA

3420 E. Shea Blvd, #152, Phoenix, AZ 85028 (602) 494-9500 / (800) 516-0283 / FAX (602) 494-0500 / www.lbiusa.com As of 08/12/08 INDEX ANNUITY SPREADSHEET This spreadsheet is intended for use as a guide, see company literature for details Carrier Lincoln Financial Lincoln Financial Lincoln Financial Lincoln Financial North American Group Group Group Group Ratings A.M. Best A+ A.M. Best A+ A.M. Best A+ A.M. Best A+ A.M. Best A+ S&P AA S&P AA S&P AA S&P AA S&P AA- Assets 106.7 Billion 106.7 Billion 106.7 Billion 106.7 Billion 5.4 Billion Product Name New Directions OptiChoice 5 OptiChoice 7 OptiChoice 9 Formula Choice 6 and 8 Crediting Method 1) 2 Yr Reset/Ratchet pt- 1) Annual Reset/Ratchet 1) Annual Reset/Ratchet 1) Annual Reset/Ratchet 2 Crediting Methods to-pt Pt-to-Pt Pt-to-Pt Pt-to-Pt -Annual Reset/Ratchet Pt-to-Pt and *Mo Pt-to-Pt 2) Ann. Reset/Ratchet 2) Annual Reset/Ratchet 2) Annual Reset/Ratchet 2) Annual Reset/Ratchet -Fixed Account performance triggered w/ Monthly Cap w/ Monthly Cap w/ Monthly Cap 7 Indices: acct (PTA) 1) S&P 500 3) Annual Reset/Ratchet 3) Annual Reset/Ratchet 3) Annual Reset/Ratchet 2) DJIA Monthly Avg. w/ Spread Monthly Avg. w/ Spread Monthly Avg. w/ Spread 3) S&P Midcap 400 4) Russell 2000 4) Fixed Account 4) Fixed Account 4) Fixed Account 5) NASDAQ-100 S&P 500 Index 6) DJ Eurostoxx 50 S&P 500 Index S&P 500 Index S&P 500 Index 7) Lehman Bros US -Annual Reset/Ratchet *Monthly Pt-to-Pt S&P 500/NASDAQ Premium Listing Single Flexible Flexible Flexible Flexible $50 min addt’l $50 min addt’l $50 min addt’l $100 min addt’l Crediting Rates Under $100K 100K+ Under $100K 100K+ Under $100K 100K+ Annual Cap 1) 7.65% 7.95% 1) 8.30% 8.60% 1) 8.55% 8.85% 1) 9.15%(4%min) 6: Under $100K 2) 2.75% 2.85% 2) 2.90% 3.00% 2) 3.00% 3.10% 2) 7.60%(4%min) 3) 3.55% 3.25% 3) 2.95% 2.65% 3) 2.85% 2.55% 3) 7.15%(4%min) 100K+ 4) 4.00% 4.15% 4) 4.30% 4.45% 4) 4.35% 4.50% 4) 7.30%(4%min) 2yr- 19.25% 20.00% 5) 7.40%(4%min) PTA- 7.55% 7.70% 1) Min Cap. (2.50%) 1) Min Cap. (2.50%) 1) Min Cap. (2.50%) 6) 7.05%(4%min) Fixed- 4.60% 4.75% 2) Min Cap. (1.00%) 2) Min Cap. (1.00%) 2) Min Cap. (1.00%) 7) 4.10%(3%min) 3) Max sprd. (9.00%) 3) Max sprd. (9.00%) 3) Max sprd. (9.00%) Monthly Cap Fixed 4) Min Cap. (1.25%) 4) Min Cap. (1.50%) 4) Min Cap. (1.75%) S&P- 3.30% 4.00% 8: Under $100K Nasdaq- 2.60% 100K+ 1% min) (3% min) 2yr - 19.75% 20.50% PTA- 7.60% 7.85% Fixed- 4.70% 4.85% 100% PR guar. 2yr Min. CAP – 10% PTA Min. – 3% Fixed Min. – 1.75% Commission 6 – 3.5% 0-75, 2.25% 0-75 5.0% 0-75 6.0% 0-75 7.0% 0-75 – 5.00% 76-80, 1% 81+ 76-80 3.75% 76-80 4.50% 76-80 5.25% Comp reduced age 76+ 8 – 4.5% 0-75, 3% 76- 81-85 2.50% 81-85 3.00% 80, 1.5% 81+ Issue Ages 0-85 Q & NQ 0-85 Q & NQ 0-85 Q & NQ 0-80 Q & NQ 0-85 Q or NQ Minimum Issue $10,000 Q and NQ $2000 Q / $5000 NQ $2000 Q / $5000 NQ $2000 Q / $5000 NQ $2,000 Q ($50/mo. TSA Salary Reduction) / $5,000 NQ Maximum Issue Ages 0-65 = $2 million Ages 0-65 = $2 million Ages 0-65 = $2 million Ages 0-65 = $2 million $3,000,000 Ages 65+ = $500K Ages 65+ = $500K Ages 65+ = $500K Ages 65+ = $500K Free Annual Partial 10% immediately 10% immediately 10% immediately 10% immediately 10% after year one Withdrawal Surrender Charges 6 years 5 years 7 years 9 yrs. 5 Years 9/8/7/6/4.75/3.75 9/8/7/6/5 9/8/7/6/5/4/3 9/8/7/6/5/4/3/2/1 9/8/6/4/2 8 years (+ or – MVA) (+ or – MVA) (+ or – MVA) 9/8/7/6/4.75/3.5/2/ 0.75 + or – MVA Minimum Guarantee 100% of premium at 100% of prem. at 100% of prem. at 100% of prem. at 87.5% of premium at 3% 1.75% 1.25% 1.50% 1.75% Comments Performance triggered Addt’l deposits do not Addt’l deposits do not Addt’l deposits do not Addt’l deposits do not account interest applied reset surrender reset surrender reset surrender reset surrender if S&P did not go down 30 day NH waiver and -90 day NH waiver after for that year 30 day NH waiver and 30 day NH waiver and Terminal Illness waivers 1st year. Increases Terminal Illness waivers Terminal Illness waivers available MAW percentage to 20% Funds in 2 year pt-to-pt available available Can annuitize after yr 5 of AV. can only be reallocated for min. of 5 years -Income rider available – every 2 yrs Can annuitize after yr 5 Can annuitize after yr 5 **Can issue ages 81-85 starts at 4% at age 50, for min. of 5 years for min. of 5 years with exception form increases 50bps every 5 Fixed acct rate is guar *Living Income yrs, JT = 1% decrease for the life of the contract *Living Income *Living Income Advantage Avail Advantage Avail Advantage Avai *Living Income Advantage Avail Product NOT in MN, NY, OR NY NY NY DE, MS, NY, OR, PA, these states UT

3420 E. Shea Blvd, #152, Phoenix, AZ 85028 (602) 494-9500 / (800) 516-0283 / FAX (602) 494-0500 / www.lbiusa.com As of 08/12/08 INDEX ANNUITY SPREADSHEET This spreadsheet is intended for use as a guide, see company literature for details Carrier North American North American North American North American North American Ratings A.M. Best A+ A.M. Best A+ A.M. Best A+ A.M. Best A+ A.M. Best A+ S&P AA- S&P AA- S&P AA- S&P AA- S&P AA- Assets 5.4 Billion 5.4 Billion 5.4 Billion 5.4 Billion 5.4 Billion Product Name Freedom Choice 6 Freedom Choice 8 Freedom Choice 10 Prizm Plus 7 Prizm Plus 10 Crediting Method 2 Crediting Methods 2 Crediting Methods -Annual Reset/Ratchet -Annual Reset/Ratchet 5% prm bonus 1st 7 yrs -Annual Reset/Ratchet -Annual Reset/Ratchet Pt – Pt and *Mo Pt – Pt Pt-to-Pt w/ PR, Monthly -Annual Reset/Ratchet Pt – Pt and *Mo Pt – Pt Pt – Pt and *Mo Pt – Pt 7 Indices: Average w/ PR & Pt-to-Pt w/ PR, Monthly 7 Indices: 7 Indices: 1) S&P 500 *Monthly pt – pt Average w/ PR & 1) S&P 500 1) S&P 500 2) DJIA -Fixed Account *Monthly pt – pt 2) DJIA 2) DJIA 3) S&P Midcap 400 7 Indices: -Fixed Account 3) S&P Midcap 400 3) S&P Midcap 400 4) Russell 2000 1) S&P 500 7 Indices: 4) Russell 2000 4) Russell 2000 5) NASDAQ-100 2) DJIA 1) S&P 500 5) NASDAQ-100 5) NASDAQ-100 6) DJ Eurostoxx 50 3) S&P Midcap 400 2) DJIA 6) DJ Eurostoxx 50 6) DJ Eurostoxx 50 7) Lehman Bros US 4) Russell 2000 3) S&P Midcap 400 7) Lehman Bros US 7) Lehman Bros US 8)Annual Reset/Ratchet 5) NASDAQ-100 4) Russell 2000 8)Annual Reset/Ratchet 8) Annual Reset/Ratchet *Monthly Pt-to-Pt 6) DJ Eurostoxx 50 5) NASDAQ-100 *Monthly Pt-to-Pt *Monthly Pt-to-Pt S&P 500 Only 7) Lehman Bros US 6) DJ Eurostoxx 50 S&P 500 Only S&P 500 Only 9) Fixed *Monthly Pt-to-Pt 7) Lehman Bros US 9) Fixed 9) Fixed S&P 500 & NASDAQ *Monthly Pt-to-Pt Only S&P 500 & NASDAQ Only Premium Listing Flexible Flexible Flexible Flexible Flexible $100 min addt’l $100 min addt’l $100 min addt’l $100 min addt’l $100 min addt’l Crediting Rates 5% <250k Over 250K 5% <250k Over 250K 5% <250k Over 250K Mo Avg Annual Pt-Pt Mo Avg Annual Pt-Pt 1) 9.70% 10.55% 1) 10.5% 11.35% 1) 10.4% 11.20% 1) 75% 40% 1) 70% 40% 2) 8.10% 9.00% 2) 8.90% 9.75% 2) 8.85% 9.60% 2) 65% 35% 2) 60% 35% 3) 7.60% 8.40% 3) 8.35% 9.10% 3) 8.25% 9.00% 3) 50% 30% 3) 50% 30% 4) 7.80% 8.60% 4) 8.55% 9.30% 4) 8.45% 9.20% 4) 50% 30% 4) 50% 25% 5) 7.90% 8.65% 5) 8.60% 9.40% 5) 8.55% 9.25% 5) N/A 25% 5) N/A 25% 6) 7.55% 8.35% 6) 8.30% 9.10% 6) 8.25% 9.00% 6) N/A 35% 6) N/A 30% 7) 4.35% 4.85% 7) 4.80% 5.60% 7) 4.75% 5.45% 7) N/A 60% 7) N/A 60% 8) 3.45% 3.75% 8) 3.75% 4.00% 8) 3.70% 3.95% Mo Cap Fixed Mo Cap Fixed 9) 4.20% 4.60% 9) 4.60% 5.00% 9) 4.55% 4.90% S&P 2.85% 3.40% S&P 2.70% 3.20% 10% <250K Over 250K 10% <250K Over 250K 10% <250K Over 250K NASDAQ 2.30% NASDAQ 2.15% 1) 9.00% 10.0% 1) 9.80% 10.70% 1) 9.60% 10.55% 2) 7.45% 8.40% 2) 8.20% 9.10% 2) 8.05% 9.00% 3) 7.00% 7.85% 3) 7.70% 8.50% 3) 7.55% 8.35% 4) 7.15% 8.05% 4) 7.90% 8.70% 4) 7.75% 8.60% 5) 7.25% 8.15% 5) 8.00% 8.80% 5) 7.80% 8.65% 6) 6.90% 7.80% 6) 7.65% 8.50% 6) 7.50% 8.35% 7) 4.00% 4.50% 7) 4.40% 4.90% 7) 4.35% 4.80% 8) 3.25% 3.50% 8) 3.45% 3.80% 8) 3.40% 3.75% 9) 3.90% 4.35% 9) 4.25% 4.70% 9) 4.20% 4.60% Commission 0-75 – 5.50% 0-75 – 5.50% 0-75 – 5.50% 0-75 - 8.5% 0-75 - 8.5% Comp reduced age 76+ Comp reduced age 76+ Comp reduced age 76+ Comp reduced age 76+ Comp reduced age 76+ Issue Ages 0-85 Q or NQ 0-85 Q or NQ 0-79 Q or NQ 0-85 Q or NQ 0-79 Q or NQ Minimum Issue $2,000 Q ($50/mo. TSA $2,000 Q ($50/mo. TSA $2,000 Q ($50/mo. TSA $2,000 Q ($50/mo. TSA $2,000 Q ($50/mo. TSA Salary Reduction) / Salary Reduction) / Salary Reduction) / Salary Reduction) / Salary Reduction) / $10,000 NQ $10,000 NQ $10,000 NQ $10,000 NQ $10,000 NQ Maximum Issue $3,000,000 $3,000,000 $3,000,000 $3,000,000 $3,000,000 Free Annual Partial ^5%/10% after year ^5%/10% after year ^5%/10% after year 10% after year one 10% after year one Withdrawal one one one Surrender Charges 6 Years 8 Years 10 Years 7 years 10 Years 9/9/8/6/4/2 9/9/8/7/6/5/4/2 9/9/8/7/6/5/4/3/2/1 9/9/8/7/6/4/2 14/13/12/11/10/9/8/6/4/3 Minimum Guarantee 87.5% of premium at 3% 87.5% of premium at 3% 87.5% of premium at 3% 87.5% of premium 87.5% of premium at 3% at 3% Comments -Addt’l deposits do not -Addt’l deposits do not -Addt’l deposits do not -Addt’l deposits do not -Addt’l deposits do not reset surrender reset surrender reset surrender reset surrender reset surrender ^Choice of 5 or 10% free ^Choice of 5 or 10% free ^Choice of 5 or 10% free -Annuitization available -Annuitization available W/Ds for increased cap, W/Ds for increased cap, W/Ds for increased cap, after the 8th year for 5 after the 10th year for 5 5% option is NOT RMD 5% option is NOT RMD 5% option is NOT RMD years w/ 1% bonus years w/ 1% bonus friendly, No Syst W/D friendly, No Syst W/D friendly, No Syst W/D -90 day NH waiver after -90 day NH waiver after -NHW increases W/D by -NHW increases W/D by -NHW increases W/D by 1st year (ages 0-75) 1st year (ages 0-75) 10% (ages 0-75) 10% (ages 0-75) 10% (ages 0-75) -Income rider available – -Income rider available – -Income rider available – -Income rider available – -Income rider starts at starts at 4% at age 50, starts at 4% at age 50, starts at 4% at age 50, starts at 4% at age 50, 4% at age 50, increases increases 50bps every increases 50bps every increases 50bps every 5 increases 50bps every 5 50bps every 5yrs 5yrs 5yrs yrs JT = 1% decrease yrs JT = 1% decrease

Product NOT in AK,AR,CT,DE,HI,MA,MN, AK,AR,CT,DE,HI,MA,MN, AK,AR,CT,DE,HI,MA,MN, AK,CT,DE,IL, AK,CT,DE,IL, these states MS,MT,NV,NY,OK,OR,PA, MS,MT,NV,NY,OK,OR,PA, MS,MT,NV,NY,OK,OR,PA, MN,MT,NV,OR,PA, MN,MT,NV,OR,PA, UT,VT,VA,WA UT,VT,VA,WA UT,VT,VA,WA UT,VT,WA UT,VT,WA

3420 E. Shea Blvd, #152, Phoenix, AZ 85028 (602) 494-9500 / (800) 516-0283 / FAX (602) 494-0500 / www.lbiusa.com As of 08/12/08 INDEX ANNUITY SPREADSHEET This spreadsheet is intended for use as a guide, see company literature for details Carrier North American Old Mutual Old Mutual Old Mutual Old Mutual Ratings A.M. Best A+ A.M. Best A A.M. Best A A.M. Best A A.M. Best A S&P AA- Assets 5.4 Billion 19.0 Billion 19.0 Billion 19.0 Billion 19.0 Billion Product Name Prizm Plus 14 Accelerator Bonus Index Rewards 5 Loyalty Rewards Safety Index 4 7, 10 and 14 Escalator 6,8,10,12 Crediting Method 10% prm bonus 1st7yrs Prem Bonus:7yr- 5 Crediting Method *1% Premium Bonus 5 crediting methods -Annual Reset/Ratchet 3%,10yr-5%,14yr-10% Options paid annually Pt-to-Pt w/ PR, Monthly 4 crediting methods 1) Annual Reset/Ratchet Average w/ PR & 6 Crediting methods Monthly Average w/Cap Annual Reset/Ratchet Monthly pt – pt w Cap Annual Reset/Ratchet 1) Annual Reset/Ratchet 2) Annual Reset/Ratchet -Fixed Account 1) Monthly Point to Point w/ Monthly Average Monthly Average 7 Indices: 2) Monthly Average w/ 1) Pt-Pt S&P 500 2) Annual Reset/Ratchet w/Spread 1) S&P 500 Cap 2) Mo Avg S&P 500 Pt - Pt 3) Annual Reset/Ratchet 2) DJIA 3) Annual Point to Point 3) Pt-Pt DJIA 3) Annual Pt - Pt 3) S&P Midcap 400 w/ Cap 4) Mo Avg DJIA Reset/Ratchet, Monthly 4) Annual Reset/ratchet, 4) Russell 2000 4) Annual Point to Point 5) Fixed Acct. Pt - Pt Monthly Pt - Pt 5) NASDAQ-100 w/ PR 4) Fixed Interest 5 – Fixed Interest 6) DJ Eurostoxx 50 5) 2yr Monthly Average 7) Lehman Bros US w/ Cap S&P 500 Index S&P 500 Index *Monthly Pt-to-Pt 6) Fixed S&P 500 % NASDAQ Only S&P 500 Premium Listing Flexible Flexible Single Flexible Flexible $100 min addt’l Crediting Rates Daily Annual 7yr 10yr 14yr 100% PR Guarantee 6yr 8yr 10yr 12yr 100% PR Guar. 1) 70% 40% 1) 2.10% 2.00% 1.75% Caps Minimums 1- Mo. Avg. (3% min) Caps & Rates 2) 60% 35% 2) 8.50% 7.50% 7.00% 1) 7.75% 3% 7.50%8.00%8.50%9.00 < $100K $100K+ *Min 3) 50% 30% 3) 7.50% 7.00% 6.50% 2-Ann.Pt to Pt (3% min) 1) 8.00% 9.50% 3% 2) 8.25% 3% 4) 50% 30% 4) 55% 50% 45% 6.50%6.75%7.0% 7.25% 2) 2.75% 2.25% 9% 5) N/A 25% 5) None None 25% 3) 7.50% 3% 3- Mo Pt-to-Pt (1% min) 3) 7.50% 8.50% 3% 6) N/A 35% 6) 4.00% 3.65% 3.55% 4) 8.25% 3% 1.85%2.0% 2.25%2.40% 4) 2.00% 2.25% 1% 7) N/A 60% Minimums: 5) 3.75% 1% 4 –Fixed* 5) 3.75% 4.05% 1% Mo Cap Fixed 1) 1% 2) 3% 3) 3% (2.0% / Floating min.) S&P 2.75% 3.25% 4) 30% 5) 6% 6) 1% 3.60%3.50% 3.6%3.65% NASDAQ 2.20% Commission 0-75 - 8.5% *7yr: 0-79 – 6% 4% ages 0-79 0-79 80-85 3% ages 0-79 Comp reduced age 76+ 80-85 – 3% 2% 80-90 6yr 4.0% 2.00% 1.5% ages 80-90 *10yr: 0-79 – 9.50% 8yr 5.5% 2.75% 10yr 6.5% 3.25% 80-85 – 3% 12yr 7.5% 3.75% *14yr: 0-79 – 9.50% 80-85 – 9.50% Issue Ages 0-75 Q or NQ 0-85 Q or NQ 0-90 Q or NQ 0 –85 Q or NQ 0-90 Q or NQ Minimum Issue $2000 Q ($50/mo. TSA $10,000 Q and NQ $5,000 Q and NQ $10,000 Q and NQ $15,000 Q and NQ Salary Red/ $10,000 NQ Maximum Issue $3,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 Free Annual Partial 10% after year one 10% after year one 10% after year one 10% after year one 10% after year one Withdrawal Surrender Charges 14 Years 7yr: 10/9/8/7/6/5/4 5 years 12 years 4 years 18/18/17/15/15/15/15/14/ 10yr:10/10/10/10/9/8/7/64/2 9/8/7/6/5 17.5/16.5/15.5/14.5 9/9/8/7 12/10/8/6/4/2 14yr:14.75/13.75/12.75/11.7 13.5/12.5/11.5/10.5 5/10.75/10/9/8/7/6/5/4/3/2 9.5/8.5/7.5/6.5 Minimum Guarantee 87.5% of premium ^100% of premium 1.3% *100% of premium at *87.5% of premium at 100% of premium at at 3% (floating) 2.2%(Floating) 1.20% (Floating) 3.00% Comments Addt’l deposits do not *commission reflects a Nursing Home Waiver – Surrender schedule is After year 1 – 60 day reset surrender limited time only bonus 60 days lower for 6, 8 and 10 N/H and TI waiver Annuitization available Contact CPS for more Terminal Illness and year options available to all issue after the 14th year for 5 details Unemployment waiver ages years w/ 2% bonus ^10 and 14 yr min *1.5% minimum in 60 day N/H, 30 day 90 day NH waiver after guarantees are 87.5% of AR, FL, MD, WY unemployment, and *Min – Minimum 1st year (ages 0-75) prem at 3% (floating) Caps and fixed rates are Terminal Illness waivers crediting rate Income rider avail starts After year 1 – 60 day different in these states available at 4% at age 50 N/H and TI waiver Trail commission option increases 50bps every available to all issue available Addt’l deposits do not Addt’l deposits do not 5yrs ages reset surrender charge reset surrender charge period period 7yr NOT approved in OK and TX No early annuitization option Product NOT in AK,CT,DE,IL, CT,LA,MA,MN,MT,ND ND, NY, OK, OR MA, NY, OR, UT, VT, MA,MD,MN,NC,ND, these states MN,MT,NV,OR,PA, NV,NY,OR,PA,UT,WA WA NY,OK,OR,UT, UT,VT,WA VT, WA

3420 E. Shea Blvd, #152, Phoenix, AZ 85028 (602) 494-9500 / (800) 516-0283 / FAX (602) 494-0500 / www.lbiusa.com As of 08/12/08 INDEX ANNUITY SPREADSHEET This spreadsheet is intended for use as a guide, see company literature for details Carrier Old Mutual Old Mutual Old Mutual Old Mutual Ratings A.M. Best A A.M. Best A A.M. Best A A.M. Best A Assets 19.0 Billion 19.0 Billion 19.0 Billion 19.0 Billion Product Name Safety Index 7 Safety Index 10 Spectrum Rewards Spectrum Choice 9 Choice 7 Bonus Crediting Method 5 crediting methods 5 crediting methods 4 crediting methods 3% 1st year Premium Bonus 1) Annual Reset/Ratchet 1) Annual Reset/Ratchet 1) Annual Reset/Ratchet 1) Annual Reset/Ratchet Monthly Average w/Cap Monthly Average w/Cap w/ Monthly Average Mo Point to Point 2) Annual Reset/Ratchet 2) Annual Reset/Ratchet 2) Annual Reset/Ratchet 2) 2 Year Mo Point to Monthly Average Monthly Average Pt - Pt Point w/Spread w/Spread 3) Annual 3) 3 Year Mo Point to 3) Annual Reset/Ratchet 3) Annual Reset/ Reset/Ratchet, Monthly Point Pt - Pt Ratchet Pt - Pt Pt - Pt 4)Annual Reset/Ratchet 4 - Annual 4) Annual 4) Fixed Interest w Mo Avg Reset/Ratchet, Monthly Reset/Ratchet, Monthly 5)Annual Reset/Ratchet Pt - Pt Pt - Pt Point to Point 5 – Fixed Interest 5) Fixed Interest 6) Fixed Acct

S&P 500 Index S&P 500 Index S&P 500 Index S&P 500 Index Premium Listing Flexible Flexible Flexible Single $2,000 min. add’l Crediting Rates Caps & Rates 100% PR Guar. 100% PR Guar. 100% PR Guarantee <$100K $100K+ *Min Caps & Rates Caps & Rates: 1) 2.25% 1 – 8.50% 10.0% 3% < $100K $100K+ *Min 1) 8.25%(3%min) 2) 2.85% 2 – 2.60% 2.10% 9% 1) 9.25% 10.75% 3% 3) 3.20% 2) 7.35(3%min) 3 – 8.00% 9.00% 3% 2) 2.50% 2.00% 9% 4) 8.00% 4 – 2.20% 2.45% 1% 3) 8.25% 9.50% 3% 3) 2.20(1%min) 5) 6.75% 5 – 4.00% 4.30% 1% 4) 2.30% 2.55% 1% Fixed Account 6) 3.50% 5) 4.00% 4.30% 1% *3.75(3.00%min) Min: Mo Cap – 1% Ann/Mo Avg Cap – 3%

Commission 6% ages 0-79 7% ages 0-79 7% ages 0-79 9% ages 0-79 3% ages 80-85 3.5% ages 80-85 3.5% ages 80-85 4.5% ages 80-85 Commission reduced in CT, See below for trail info MA, MN, UT, WA

Issue Ages 0-85 Q or NQ 0-85 Q or NQ 0-85 Q or NQ 0-85 Q or NQ Minimum Issue $15,000 Q and NQ $15,000 Q and NQ $25,000 Q and NQ $25,000 Q and NQ Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 Free Annual Partial 10% after year one 10% after year one 10% after year one 10% after year one Withdrawal Surrender Charges 7 years 10 years 7 years 9 years 10/10/10/9/8/7/6 10/10/10/9/8/7/6/5/4/3 12/11/10/8/6/4/2 15/15/15/14.5/13.5/ 12.5/10/7/4 Minimum Guarantee 100% of premium at 100% of premium at **100% of premium at 103% of premium at 3.00% 3.00% 1.20% 1.30% Comments After year 1 – 60 day After year 1 – 60 day Can annuitize after yr 5 Can annuitize after yr 5 N/H and TI waiver N/H and TI waiver for 5 or more yrs for 5 or more yrs available to all issue available to all issue ages ages Terminal illness, Trail commission option unemployment, and 60 available *Min – Minimum Addt’l deposits do not day Nursing Home crediting rate reset surrender charge waivers available Terminal illness, period unemployment, and 60 Addt’l deposits do not ^Similar product day Nursing Home reset surrender charge No early annuitization available in NY – please waivers available period option call for details Add’l deposits do not No early annuitization Addt’l deposits do not reset surrender option reset surrender charge period Diff surrender schedule in CT, MA, UT, WA Product NOT in MA,MD,MN,NC,ND, CT,MA,MD,MN,NC,ND, CT, MN, NY^, AK,AR,CT,MD,MA,MN, these states NY,OK,OR,UT, NY,OK,OR,PA,TX,UT, ND, OK, OR, UT, WA MT,NV,NY,ND,OK,OR,P VT, WA VT, WA A,SD,TX,UT,VT,WA,WI, WY

DJIA Index

DJIA Index Premium Listing Single Single Flexible Flexible $500 min add’l $1,000 min add’l Crediting Rates 100% PR 100% PR Guaranteed Guaranteed 1) 2.00% 1) 2.00% Min CAP 10% 2) 9.50% Spread 2.00% Cap <50k 50k+ 7.00% 7.50% 2) 9.00% Max spread 5% 3) Year 1 – 4.35% Fixed acct – 3.85% Year 2-8 – 3.35% Min. cap – 5% 3) 4.25% Min. Guar. – 3.00%

Commission 5% = 0-76 5.25 = 0-75 9.25% = 0-75 6% @ 0-75 3.33% = 76-85 3.75% = 76-80 7.75% = 76-80 4.75% @76-80 Reduced over $2 million 2.75% = 81-85 5.25% = 81-85 3.50% @81-85 Trails Avail Trails Avail Issue Ages 0-85 Q or NQ 0-85 NQ / 0-80 Q 0-85 NQ / 0-80 Q 0-77 Q / 0-85 NQ Minimum Issue $5,000 Q and NQ $5,000 Q and NQ $5,000 Q and NQ $5,000 Q and NQ Maximum Issue $1,000,000 $1,000,000 $1,000,000 $500,000 Free Annual Partial 10% Immediately 10% Immediately* 10% after year one 10% after year one Withdrawal Surrender Charges 7 years 8 years^ 10 Years^ 7 years 8/8/7/6/5/4/3 9/8/7/6/5/4/3/2 9/9/8/7/6/5/4/3/2/1 8/8/8/7/6/4/2 (+ or – MVA) (+ or – MVA) Minimum Guarantee 90% of premium at 87.5% of premium at 87.5% of premium at 92% of premium at 3% 3% 3% 3% Comments Nursing Home waiver Nursing Home waiver Nursing Home waiver Can annuitize after year available – 60 days available after year available after year 2 for 6 year minimum one – 90 days one – 90 days Add’l deposits do not Termial Illness and reset surrender Disability waivers Terminal Illness Terminal Illness available waiver after year one waiver after year one PR, CAP and Spread (TI – less than 12 (TI – less than 12 applied in that order months to live) months to live) NH Waiver – 90days, *10% in CA, other ^10/10/9.5/9/8/7/6/4/4 after year 1 (n/a in MA) TI Waiver (n/a in MA,TX) states are 10% after /2 in most states year one

^ 10/9/8/7/6/5/4/2 in most states Product NOT in NY CT, DE, IL MN, NJ, CT, DE, IL MN, NJ, HI, IL, NJ, NY, ND, these states NY, OK, OR, PA, UT NY, OK, OR, PA, UT OR, WA

7yr 9.00% 9.50% 3.80% 50k+ 8.50% 9.50% Current P.R. without 2) 47% 51% Income activation = 60% 7% Cap Min. Cap – 5% 3) 3.50% 3.80% No minimum cap Min. Fixed – 2.85% Fixed Rate Plus PR Current P.R. with No fixed account 4) 5yr - 2.0% 25% Income activation = 45% 7yr - 2.0% 29%

Min. Cap – 5% Min. Fixed – 2.85% Min. P.R. – 15% Commission 0 – 75 = 8% 0-80 – 9.00% 5yr 7yr 5yr 7yr 76 - 80 = 6.5% 81-85 – 5.00% 0-75 4.5% 5% 0-75 4.5% 5% Trail commission options See below for trail 76-85 2.25% 2.5% 76-85 2.25% 2.5% available options (B&C) Issue Ages 0-80 Q or NQ 0-85 Q or NQ 0-85 Q or NQ 0-85 Q or NQ Minimum Issue $10,000 Q and NQ $10,000 Q and NQ $10,000 Q and NQ $10,000 Q and NQ Maximum Issue $1,000,000 $1,000,000 $1,000,000 $1,000,000 Free Annual Partial Yr 1 – Income or RMD 10% or cumulative 10% every year 10% every year Withdrawal After yr 1 – 10% or earnings after year Lifetime Income one Surrender Charges 10 years 9 years 5 years 7 years 5 years 7 years 10/10/10/10/10/10/10/ 10/10/9/8/7/6/5/4/3 9/9/8/7/6 9/9/8/7/6/5/4 9/9/8/7/6 9/9/8/7/6/5 8/6/4 Minimum Guarantee 87.5% of premium at 90% of premium at 100% of premium at 100% of premium at 3% 1.75% 5 year - 2.55% 5 year - 2.25% 7 Year - 3.00% 7 Year - 3% Comments Lifetime Benefit avail Option B 5 and 7 year contract 5 and 7 year contract age 60, based on a 0-80 – 5.00% with .50% available available Lifetime Benefit factor trail in years 2+ Can annuitize after year Can annuitize after year Starts at 5%, goes up 81-85 – 3.00% with .50% 3 for 5 year min. 3 for 5 year min. 10Bps/yr trail in years 2+ Option C Add’l deposits do not Add’l deposits do not *Prem Bonus vested – 0-85 – 1.00% with 1.00% reset surrender and reset surrender and 0/20/40/60/80/100 trail in years 2+ default to fixed account default to fixed account Addn’l depos reset until anniversary until anniversary N/H waiver: 100% if surrender 90 day Nursing home 90 day Nursing home confined for 45 out of 60 45 day Nursing home and terminal illness and terminal illness days waiver waiver waiver

Product NOT in CT,HI,IL,IN,IA,KY,MA, CT, KY, NY, OR, UT, Old product approved DE, MN, MS, NY, OR, these states MD,ME,MN,MS,MT,NH, WA where new product not WA NJNY,NC,OR,PA,UT,VT yet approved – IL, MN, ,WA MS, UT

3420 E. Shea Blvd, #152, Phoenix, AZ 85028 (602) 494-9500 / (800) 516-0283 / FAX (602) 494-0500 / www.lbiusa.com