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ANNUITY RATES FEBRUARY 2012 * 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	2.20	1	6,6,5,5,4,4,2,0	$5,000 / $1,000,000	NY*	1.1%-YEARS-2,3,4 3%-AFTER
PRESIDENTIAL LIFE	0-85^^ OVER $5,000 SPDA	1.55	4	7,6,6,5,0	$5,000 / $1,000,000	NY*	1.1% THEREAFTER
PRESIDENTIAL LIFE	0-85^^UND. $5,000	n/a	4	7,6,6,5,0	$1,500 / $4,999	NY*	1.1% THEREAFTER
PRESIDENTIAL LIFE	0-85^^ OVER $5,000 SPDA	2.00	5	7,7,6,6,4,0	$5,000 / $1,000,000	NY*	1.1% THEREAFTER
PRESIDENTIAL LIFE	0-85^^UND. $5,000	n/a	5	7,7,6,6,4,0	$1,500 / $4,999	NY*	1.1% THEREAFTER
PRESIDENTIAL LIFE	0-85^^OVER $5,000	1.90	6	7,7,7,6,5,4,0	$5,000 / $1,000,000	NY*	1.1% THEREAFTER
PRESIDENTIAL LIFE	0-85^^UND. $5,000	n/a	6	7,7,7,6,5,4,0	$1,500 / $1,000,000	NY*	1.1%THEREAFTER
PRESIDENTIAL LIFE	Any_Age SPIA / RATED		AVAIL		$2,000 / $10,000,000 FULL_COMMISSION	NY*
NATIONAL INTEGRITY	0-82 FPDA	2.90(1)/2.15(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	2.50(1)/1.75(2-7)	7	7,6,5,4,3,2,1,0	$1,000,000 MAX	NY*	CALL US
NATIONAL INTEGRITY	0-82 FPDA	2.10(1)/1.35(2-5)	6	7,6,5,4,3,2,1,0	$1,000 ADDITIONAL	NY*	CALL US
NATIONAL INTEGRITY	0-82 FPDA	1.85(1)/1.10(2-3)	5	7,6,5,4,3,2,1,0		NY*	CALL US
NATIONAL INTEGRITY	0-82 FPDA	1.75(1)/1.00(2)	3	7,6,5,4,3,2,1,0		NY*	CALL US
NATIONAL INTEGRITY	0-82 FPDA	1.75(1)/1.00(2)	2	7,6,5,4,3,2,1,0		NY*	CALL US
NATIONAL INTEGRITY	0-83 SPDA	3.45(1)/2.45(2-10)	10	7,6,5,4,3,2,1,0	$20,000 MIN	NY*	CALL US
NATIONAL INTEGRITY	0-85 SPDA	3.10(1)/2.10(2-7)	7	7,6,5,4,3,2,1,0	$1,000,000 MAX	NY*	CALL US
NATIONAL INTEGRITY	0-86 SPDA	2.30(1)/1.30(2-5)	5	7,6,5,4,3		NY*	CALL US
NATIONAL INTEGRITY	0-86 SPDA	2.00(1)/1.00(2-4)	4	7,6,5,4		NY*	CALL US
NATIONAL INTEGRITY	0-82 SPDA ll	2.70(1)/1%(GMIR)	1	7,7,7,6,5,4,3	$3,000NQ $2000Q	NY*	CALL US
NATIONAL INTEGRITY	0-82 SPDA ll	2.60(1)/1.60(2-3)/1%(GMIR)	3	7,7,7,6,5,4,3		NY*	CALL US
NATIONAL INTEGRITY	0-82 SPDA ll	2.45(1)/1.45(2-5)/1%(GMIR)	5	7,7,7,6,5,4,3		NY	CALL US
NATIONAL INTEGRITY	0-82 SPDA ll	2.25(1)/1.25(2-7)1% BONUS YEAR 1 ONLY	7	7,7,7,6,5,4,3		NY*
NATIONAL INTEGRITY	IMMEDIATE		AVAIL		$120 MIN DSTB / $500000
SECURITY MUT.	5 & 5 $25k+	1.75 (5)	5	7,7,7,6,5,0	$25,000 MIN	NY*	2.00 (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!