1. For Agent Education Only ~ Not for use in advertising to the general public. 18255 213291 5% Death Benefit Rollup

2. For Agent Education Only ~ Not for use in advertising to the general public. 18255 213291 Required Minimum Distribution (RMD)

3. For Agent Education Only ~ Not for use in advertising to the general public. 18255 213291 The Problem Individuals want to pass on qualified money and IRAs to their beneficiaries but are forced to liquidate over life expectancy (RMDs) A Solution Use BalancedAllocation Annuity with the Family Endowment rider ® to provide withdrawals over the clients lifetime while leaving an increasing legacy with the Family Endowment Rider ® Sales Solutions RMDs

4. For Agent Education Only ~ Not for use in advertising to the general public. 18255 213291 Mr. and Mrs. Jones Are 70 and 66 years old Have a large IRA and are concerned about Required Minimum Distributions Mrs. Jones is most concerned about what will be left for her when Mr. Jones is gone, as Mr. Jones gets older and is forced to take a greater withdrawal each year. Sales Solutions RMDs

5. 1786$31,391$588,778$411,222$1,309,942 1685$32,073$557,387$442,613$1,296,735 These hypothetical assumptions are not guaranteed; the use of alternate premium and rate assumptions could produce significantly different results. For Agent Education Only ~ Not for use in advertising to the general public. 18255 213291 RMD Solution using the Balanced Allocation 12 ™ with the Family Endowment Rider ® Hypothetical Example Premium $1,000,000 Client age at issue 70 RMD through age 90 Death benefit rollup 5% Annual BAA Net Appreciation of 0 Percent End of YearAge RMD Paid to Client Total Income Accumulation Value DB w/ Family Endowment Rider 170$36,496 $963,504$1,013,504 271$36,359$72,855$927,145$1,027,820 372$36,217$109,072$890,928$1,042,995 473$36,070$145,142$854,858$1,059,074 574$35,918$181,060$818,940$1,076,110 675$35,762$216,822$783,178$1,094,154 776$35,599$252,421$747,579$1,113,262 877$35,263$287,684$712,316$1,133,662 978$35,089$322,773$677,227$1,155,256 1079$34,730$357,503$642,497$1,177,566 1180$34,358$391,861$608,139$1,199,913 1281$33,974$425,835$574,165$1,221,910 1382$33,577$459,412$540,588$1,243,101 1483$33,165$492,577$507,423$1,262,956 1584$32,737$525,314$474,686$1,280,857 2089$29,214$678,644$321,356$1,325,895

6. For Agent Education Only ~ Not for use in advertising to the general public. 18255 213291 Your clients are concerned about what will be left for their beneficiaries after having to take RMDs from their IRAs. They want a solution that allows them to spend their RMDs and still pass on as much as possible to their surviving spouse. Sales Solutions RMDs

7. For Agent Education Only ~ Not for use in advertising to the general public. 18255 213291 Taxable amounts withdrawn prior to age 59½ may be subject to a 10% IRS penalty in addition to ordinary income tax. Withdrawals are not credited with interest earnings for that term. Withdrawals in excess of the free amount are subject to withdrawal charges and a market value adjustment as well as any interest accrued during the term that is attributed to the excess amount. If elected, the Family Endowment Rider ® provides a guaranteed death benefit floor upon the death of the annuitant equal to the premium accumulated at an interest rate of up to 5%. The BalancedAllocation Annuity 12 ™ [BAA12 (09/09) or state variation], the Family Endowment Rider ® (DBR (09/09) or state variation), and the BAA Premium Bonus Rider with Enhanced Death Benefit [BDBR 12 (09/09) and [BDBR 8 (09/09) or state variation] or state variation, optional riders for which a charge is deducted, are issued by Aviva Life and Annuity Company, Des Moines, IA. Product features, limitations and availability vary by State; see the Product Disclosure for details. Disclosures