For Agent Education Only ~ Not for use in advertising to the general public. #14299 119039

Sales Solutions RMDs RMD Solving the Distribution needs for Qualified Money Answering the Question “what’s left over when I’m gone”? For Agent Education Only ~ Not for use in advertising to the general public. #14299 119039

fitting product to client Sales Solutions RMDs Sales solutions create value by fitting product to client For Agent Education Only ~ Not for use in advertising to the general public. #14299 119039 3

Sales Solutions RMDs Are 70 and 66 years old 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. For Agent Education Only ~ Not for use in advertising to the general public. #14299 119039 4

DB w/ Family Endowment Rider RMD Solution using the BAASelect Annuity 12 with the Family Endowment Rider Hypothetical Example Year Age RMD Paid to Client Total Income Accumulation Value DB w/ Family Endowment Rider 1 70 $1,000,000 $1,000,000 2 71 $37,736 $962,264 $1,002,264 3 72 $37,588 $75,735 $924,676 $1,004,766 Premium • $1,000,000 4 73 $37,436 $112,760 $887,239 $1,007,460 Client age at issue • 70 5 74 $37,279 $150,039 $849,960 $1,010,142 RMD through age • 84 Death benefit rollup • 4% 6 75 $37,116 $187,155 $812,844 $1,012,665 7 76 $36,947 $224,103 $775,897 $1,014,859 8 77 $36,599 $260,702 $739,298 $1,016,766 Annual BAA Net Appreciation of 9 78 $36,419 $297,120 $702,879 $1,017,949 0 Percent 10 79 $36,045 $333,165 $666,834 $1,018,441 11 80 $35,660 $368,825 $631,175 $1,018,011 12 81 $35,261 $404,087 $595,913 $1,016,404 13 82 $34,849 $438,935 $561,065 $1,013,335 14 83 $34,421 $473,356 $526,644 $1,008,488 15 84 $33,977 $507,333 $492,667 $1,001,515 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. 12508091808 5

Sales Solutions RMDs 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. For Agent Education Only ~ Not for use in advertising to the general public. #14299 119039 6

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 4%. The BalancedAllocation Annuity™ 12 [BAA12 (09/09) or state variation], the Family Endowment Rider® (DBR (09/09) or state variation), the BAA Premium Bonus Rider with Enhanced Death Benefit [BDBR 12 (09/09) and [BDBR 8 (09/09) or state variation] or state variation], and the BalancedAllocation Income Advantage™ (BAAIR (09/09) 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. For Agent Education Only ~ Not for use in advertising to the general public. #14299 119039