Registered Index-Linked Annuities Income Guarantees

These contracts are tied to the S&P 500 performance excluding dividends, and have six-year surrender charges. Annual income can increase beyond the minimum guarantee based on the index's performance during the 10-year income deferral period. Assumes a $200,000 investment at age 60 with income starting at 70 for a single person; for joint life, the man is 60 and the woman is 55.