| ;) 
 
                     
                      | 4.85% Guaranteed for 5 Years |   
                      | ;) | Systematic withdrawals available after 30 days |   
                      | ;) | 2% Commission |   
                      | 4.40% Guaranteed for 5 Years |   
                      | ;) | Systematic withdrawals available after 30 days |   
                      | ;) | 3% up to Age 79, 1.50% Ages 80-90 |  | ;) 
 
                     
                      | 17% Commission to age 80 |   
                      | ;) | 100% Participation with no cap |   
                      | ;) | Trailing commission available |   
                      | 13% Commission |   
                      | ;) | 7.59% First Year Yield |   
                      | ;) | No Annuitization Required |  | 
               
                | ;) 
 
                     
                      | 13.30% First Year Yield |   
                      | ;) | 5% Yield Guaranteed 5 Years |   
                      | ;) | 9% Commission 0-55 |   
                      | ;) | 7% Commission 56-80 |   
                      | ;) | 10% Premium Bonus |   
                      | 11.73% First Year Yield |   
                      | 8% Premium Bonus |   
                      | ;) | 10% Commission |   
                      | ;) | 10% Free Withdrawals or Systematic Withdrawals if Interest |   
                      | 10.10% First Year Yield with 4.10% Base Rate |   
                      | ;) | 10% Free Withdrawals within Year 1 |   
                      | ;) | Issue to age 99 with no chargeback at death |  | ;) 
 
                     
                      | 7.38% 1st Year Yield with 8% Commission
 |   
                      | ;) | 100% Participation on Point to Point OR Monthly Average |   
                      | ;) | No Annuitization, No Fees! |   
                      | Bigger Bonus and Commission Available |   
                      | 12% Bonus with 10% Commission
 |   
                      | ;) | 100% Participation on Point to Point OR Monthly Average |   
                      | ;) | Full Accumulated Value at death |   
                      | 10% Bonus Immediately |   
                      | ;) | 13.30% First Year Yield |   
                      | ;) | Up to 9% Commission |  | 
               
                | 
 
                     
                      | ;)  ;)  ;) |   
                      | ;) | Biz Bucks Marketing Dollars help you grow your business! |   
                      | ;) | Successful Annuity Client Seminar System gets you in front of an average of 120 - 250 affulent seniors every month. |   
                      | ;) | Quality leads emailed to you daily. |   
                      | ;) | The most advanced follow up marketing program in the entire financial industry! |  |