


| Guaranteed Income: | |
| SINGLE PREMIUM IMMEDIATE ANNUITY This single premium contract when established pays a specified periodic distribution or for a lifetime of income. An Immediate Annuity provides an income benefit almost instantly. With an Immediate Annuity, the Annuitant establishes the annuity with a single premium payment.  | 
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| • | Uses annuitant's initial large premium deposit as the basis for immediate contracted settlement payments. | 
| • | Annuitant is "locked in" to the settlement option, payment amount, payment scheduled selected, and rate in effect for settlements at time of commencement. | 
| • | Oneātime deposit, additional deposits allowed for 30 days. | 
| • | The interest rate at the time of purchase is a fixed rate and is guaranteed throughout the term of the annuity. | 
| Available Settlement Options: | |
| • | Life Only | 
| • | Specified Period | 
| • | Life and Period Certain | 
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