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ANNUITY RATES AUGUST 2010 * RATES SUBJECT TO CHANGE AT ANY TIME! *

CARRIER	ISSUE/TYPE	RATE+BONUS	YEARS	SURR_PERIOD	MIN/MAX_CONTRIB	STATE	GUARANTEE
PRESIDENTIAL LIFE	0-85^^ OVER $5,000 SPDA	n/a	1	6,6,5,5,4,4,2,0	$5,000 / $1,000,000	NY*	2%-YEARS-2,3,4 3%-AFTER
PRESIDENTIAL LIFE	0-85^^ OVER $5,000 SPDA	2.65	4	7,6,6,5,0	$5,000 / $1,000,000	NY*	2% THEREAFTER
PRESIDENTIAL LIFE	0-85^^UND. $5,000	n/a	4	7,6,6,5,0	$1,500 / $4,999	NY*	2% THEREAFTER
PRESIDENTIAL LIFE	0-85^^ OVER $5,000 SPDA	2.80	5	7,7,6,6,4,0	$5,000 / $1,000,000	NY*	2% THEREAFTER
PRESIDENTIAL LIFE	0-85^^UND. $5,000	n/a	5	7,7,6,6,4,0	$1,500 / $4,999	NY*	2% THEREAFTER
PRESIDENTIAL LIFE	0-85^^OVER $5,000	2.70	6	7,7,7,6,5,4,0	$5,000 / $1,000,000	NY*	2% THEREAFTER
PRESIDENTIAL LIFE	0-85^^UND. $5,000	n/a	6	7,7,7,6,5,4,0	$1,500 / $1,000,000	NY*	2%THEREAFTER
PRESIDENTIAL LIFE	Any_Age SPIA / RATED		AVAIL		$2,000 / $10,000,000 FULL_COMMISSION	NY*
NATIONAL INTEGRITY	0-82 FPDA	3.45(1)/2.70(2-10)	10	7,6,5,4,3,2,1,0	$2,000 / 5,000 Q/NQ MIN	NY*	CALL US
NATIONAL INTEGRITY	0-82 FPDA	3.20(1)/2.45(2-7)	7	7,6,5,4,3,2,1,0	$1,000,000 MAX	NY*	CALL US
NATIONAL INTEGRITY	0-82 FPDA	2.80(1)/2.05(2-5)	6	7,6,5,4,3,2,1,0	$1,000 ADDITIONAL	NY*	CALL US
NATIONAL INTEGRITY	0-82 FPDA	2.75(1)/2.00(2-3)	5	7,6,5,4,3,2,1,0		NY*	CALL US
NATIONAL INTEGRITY	0-82 FPDA	2.75(1)/2.00(2)	3	7,6,5,4,3,2,1,0		NY*	CALL US
NATIONAL INTEGRITY	0-82 FPDA	2.75(1)/2.00(2)	2	7,6,5,4,3,2,1,0		NY*	CALL US
NATIONAL INTEGRITY	0-83 SPDA	3.90(1)/3.15(2-10)	10	7,6,5,4,3,2,1,0	$20,000 MIN	NY*	CALL US
NATIONAL INTEGRITY	0-85 SPDA	3.50(1)/2.75(2-7)	7	7,6,5,4,3,2,1,0	$1,000,000 MAX	NY*	CALL US
NATIONAL INTEGRITY	0-86 SPDA	2.80(1)/2.05(2-5)	5	7,6,5,4,3		NY*	CALL US
NATIONAL INTEGRITY	0-86 SPDA	2.75(1)/2.00(2-4)	4	7,6,5,4		NY*	CALL US
NATIONAL INTEGRITY	0-82 SPDA ll	3.15(1)INCL 1% !ST YR ENHANCEMENY	1	7,7,7,6,5,4,3	$3,000NQ $2000Q	NY*	CALL US
NATIONAL INTEGRITY	0-82 SPDA ll	3.10(1)/2.10(2-3)INCL 1% 1st YEAR ENHANCEMENT	3	7,7,7,6,5,4,3		NY*	CALL US
NATIONAL INTEGRITY	0-82 SPDA ll	2.65(1)/2.65(2-5)INCL1% 1st YEAR ENHANCEMENT	5	7,7,7,6,5,4,3		NY	CALL US
NATIONAL INTEGRITY	DEPENDS-SPIA		AVAIL		$120 MIN DST/$500,000	NY*
SECURITY MUT.	5 & 5 $25k+	2.80 (5)	5	7,7,7,6,5,0	$25,000 MIN	NY*	1.5 (5)
SECURITY MUT.	DEPENDS-SPIA		AVAIL

DIFFERENT CARRIERS OFFER DIFFERENT PAYOUT OPTIONS.
SOME MAXIMUMS DIFFER WITH HOME OFFICE APPROVAL.
* SOME CARRIERS OFFER NON-NY PRODUCTS AS WELL.
** MARKET VALUE ADJUSTMENT.
^^ AGE NEAREST BIRTHDAY.
PLEASE CONTACT US WITH ANY QUESTIONS!