| 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/ | New Era Life New Era MW Phil Amer | Guggenheim Life & Annuity | American Equity | LibertyBankers Capitol Life | New Era Life New Era MW Phil Amer | Sentinel Security Life | *Western Bankers Life | Guggenheim Life & Annuity | LibertyBankers Capitol Life | Sentinel Security Life |
| Name of Annuity | SecChoice3 | Preserve MYG | Guarantee5 | Bankers 5 Premier | SecChoice5 | PersonalChoice5 | SPDA-5 | Preserve MYG | Bankers 7 Premier | PersonalChoice10 |
| Projected Average Yield | 2.45% | 2.35% | 2.60% | 3.00% | 2.90% | 3.60%ê | 3.00% | 3.20% | 3.30% | 4.00%ê |
| Rate Guarantee Period | 3 Years | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 6 Years | 7 Years | 10 Years |
| Initial Rate | 2.45% | 2.35% | 2.60% | 3.00% | 2.90% | 3.60% | 3.00% | 3.20% | 3.30% | 4.00% |
| Minimum Amount | $10,000 | $10,000 ($5,000 Q) | $10,000 | $10,000 | $10,000 | Optional Rider Available With Lower Rate $2,500 | $5,000 | $10,000 ($5,000 Q) | $10,000 | Optional Rider Available With Lower Rate $2,500 |
| Effective Date | 11/01/2011 | 11/01/2011 | 2/07/2012 | 8/19/2011 | 11/01/2011 | 1/1/2012 | 8/23/2011 | 11/01/2011 | 8/19/2011 | 1/1/2012 |
| New Rate- Effective Date | 02/13/12 3.45% | 02/13/12 3.85% | ||||||||
| Surrender Length | 3 | 4 | 5 | 5 | 5 | 5 | 5 | 6 | 7 | 10 |
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.