| FORMAT [Instructions] |  Top 10 in Microsoft Word format |  Top 10 in Acrobat PDF format |  Top 10 Front Page as Web Page |
| Required Program | Microsoft Word 97 or Get Word Viewer | Adobe Acrobat or Get Adobe Reader | None |
| Recommended for | Quality Printing | Fast Printing | Quick Viewing /Feature Description |
| Insurance Company/ | LibertyBankers Capitol Life | New Era Life New Era MW Phil Amer | Guaranty Income | American Equity | LibertyBankers Capitol Life | New Era Life New Era MW Phil Amer | Old Mutual Financial | Royal Neighbors | Guaranty Income | LibertyBankers Capitol Life |
| Name of Annuity | Bankers 1 | SecChoice3 | Choice 4 | Guarantee5 | Bankers Premier | SecChoice5 | GuarPlatinum5 | NeighborsChoice | UltraFlex 7 | Bankers 7 |
| Projected Average Yield | 1.50% | 3.20%ê | 3.05% | 3.65% | 3.60% | 3.65%ê | 3.50%ê | 3.50% | 3.57%ê | 3.50% |
| Rate Guarantee Period | 1 Year | 3 Years | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 1 Year | 7 Years |
| Initial Rate | 1.50% | 3.20% | 3.05% | 3.65% | 3.60% | 3.65% | 3.50% | 3.50% | 7.00% | 3.50% |
| Minimum Amount | $10,000 | $10,000 | $5,000 | $10,000 | $10,000 | $10,000 | $5,000 ($2,000 Q) | $10,000 | Year 1 $5,000 | $10,000 |
| Effective Date | 7/12/10 | 7/01/10 | 7/01/10 | 10/28/09 | 7/12/10 | 7/01/10 | 6/23/10 | 7/01/10 | 7/01/10 | 7/12/10 |
| New Rate- Effective Date | 3.15% on 8/01/10 | 3.60% on 8/01/10 | 3.25% on 8/01/10 | 3.47% on 8/01/10 | ||||||
| Surrender Length | 1 | 3 | 4 | 5 | 5 | 5 | 5 | 5 | 7 | 7 |
The Annuities listed in the Top 10 are approved in Texas. Rates and features are applicable for Texas. The annuities may not be approved in other states.