| Product | Single Premium Deferred Annuity (Traditional IRA, Roth IRA, or Annuity) |
Flexible Premium Deferred Annuity (Traditional IRA, Roth IRA, or Annuity) |
| CURRENT RATE 1 | 4.75% guaranteed for first year. | 4.50% guaranteed for first year. |
| GUARANTEED RATE 2 |
3.00% guaranteed in subsequent years (MS, NJ, PA, and WY which are currently at 1.50%; and FL, LA, MN, NY, OR, TX, and UT which are currently at 3.50%). | |
| DESCRIPTION | Can be opened with a minimum initial contribution of $5,000. Ideal for rolling over large amounts from existing IRAs and pension or profit sharing plans. | Allows you to make periodic contributions - helping you stay in control. |

1 Interest rates are effective as of , and are intended to remain in effect until , but are subject to change without notice. Current interest rates apply to contributions to new contracts. Current rates are guaranteed for one year from the date of the contribution. For information on interest rates on existing contracts, please call 1-800-234-5433, ext. 89075.
2 Subject to government regulations and/or policy limitations.