2. For Agent or Broker Use ONLY. Not for use with the general public. Index Annuity “Concerns” Long/High Surrender Charges Products Favor Agent, Not Client Limited Growth No Liquidity

3. For Agent or Broker Use ONLY. Not for use with the general public. INVESTMENTSSAVINGS Mutual Funds Bonds Variable Annuities Stocks CDs Money Markets Fixed Annuities T-Bills INDEX ANNUITY

4. For Agent or Broker Use ONLY. Not for use with the general public. INVESTMENTSSAVINGS Mutual Funds Bonds Variable Annuities Stocks INDEX ANNUITY

5. For Agent or Broker Use ONLY. Not for use with the general public. Fixed AnnuityIndexed Annuity

6. For Agent or Broker Use ONLY. Not for use with the general public. How Does Interest Get Credited? What to look for: Simple Crediting Method (How clients earn interest) Annual Reset Design (The reason to buy index annuities)

7. For Agent or Broker Use ONLY. Not for use with the general public. Understanding Index Annuity Crediting Methods Annual Reset – Point to Point with Cap Allows 100% Participation of Index Increase Up to a 6% Annual Cap.

8. For Agent or Broker Use ONLY. Not for use with the general public. Utilizing Index Annuities in Today’s Portfolio’s Correction Protection Fixed Income Alternative

9. For Agent or Broker Use ONLY. Not for use with the general public. 3 Year Hypothetical StartEnd6.00% Cap Account Value StartEnd6.00% Cap Account Value StartEnd6.00% Cap Account Value 10001100 =10.00% Increase 6.00% Growth $106,000 11001000 =9.10% Loss 0% Growth $106,000 10001040 =4.00% Increase 4.00% Growth $110,240 S&P500 returns were taken from www.yahoo.com. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

10. For Agent or Broker Use ONLY. Not for use with the general public. Where Would You Be? 2006 2007 2008 2009 2010 2011 2012 YearS&P500* Interest Credited (6.00% Cap) Index Account Value +12.8 +3.8% -38.5% +27.1% +12.6% +2.1% +13.29% 6.00% 3.8% 0.00% 6.00% 2.10% 6.00% $106,000 $110,028 $116,629 $123,627 $126,223 $133,579 If the market declines all 7 years, you walk away with your original deposit of $100,000 S&P500 returns were taken from www.yahoo.com. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013www.yahoo.com

11. For Agent or Broker Use ONLY. Not for use with the general public. Now may be a great time to position an index annuity in your clients' portfolio. Why?

12. For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection Consider a $500,000 client portfolio fully invested in the market in 2003 2003: $500,000 2013: $850,000 $500,000$350,000 S&P500 returns were taken from www.yahoo.com. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. “Fully invested in the market refers to the S&P500 index.www.yahoo.com

13. For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 6.00% 2014 6.00% 2015 6.00% 2016 6.00% 2017 Assuming a 7.00% per year bull market S&P500 returns were taken from www.yahoo.com. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

14. For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 2013: Assuming a 7.00% per year increasing market Correction Protection 2013: $850,000 $500,000$350,000 $655,398$441,866 $1,097,264 Fully Invested: $1,114,176 Correction Protection: $1,097,264 ($16,912) Fully Invested 2013: $850,000 $1,114,176 S&P500 returns were taken from www.yahoo.com. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

15. For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 0.00% 2014 6.00% 2015 6.00% 2016 6.00% 2017 Assuming a 25% correction followed by 10.00% rebound years S&P500 returns were taken from www.yahoo.com. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

16. For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 2013: $850,000 $500,000$350,000 Assuming a 25% correction followed by 10.00% rebound years YearFully InvestedCorrection Protection Difference 2014$637,500$725,000$87,500 2015$701,250$783,500$82,250 2016$771,375$847,010$75,635 2017$848,512$915,980$67,468 2013: $850,000 $850,000 S&P500 returns were taken from www.yahoo.com. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

17. For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 6.00% 2014 0.00% 2015 6.00% 2016 6.00% 2017 Assuming we grow another 10%, correct by 30%, rebound 10% per year following S&P500 returns were taken from www.yahoo.com. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. Assumed market returns are hypothetical and are not indications of future performancewww.yahoo.com

18. For Agent or Broker Use ONLY. Not for use with the general public. Correction Protection 2013: $850,000 $500,000$350,000 Assuming we grow another 10%, correct by 30%, rebound 10% per year following YearFully InvestedCorrection Protection Difference 2014$935,000$921,000($14,000) 2015$654,500$756,000$101,500 2016$719,950$816,760$96,810 2017$791,945$882,705$90,760 2013: $850,000 Assumed market returns are hypothetical and are not indications of future performance. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. “Fully invested in the market refers to the hypothetical assumptions.

19. For Agent or Broker Use ONLY. Not for use with the general public. Fixed Income Alternative

20. For Agent or Broker Use ONLY. Not for use with the general public. Fixed Income Alternative Chart derived from www.Morningstar.com on DWS GNMA A Load Waived, Intermediate Government, and Barclays US Agg Bond TR. Quote as of 08/14/2013www.Morningstar.com

21. For Agent or Broker Use ONLY. Not for use with the general public. Fixed Income Alternative Solution? Utilize systematic withdrawals from an index annuity as a fixed income alternative

22. For Agent or Broker Use ONLY. Not for use with the general public. Where Would You Be? Year Interest Credited (5.50% Cap) Index Account Value Year Beginning Value S&P500 Interest Credited Value Before Withdrawal WithdrawalEnding Value 2006$100,00012.8%6.00%$106,000$3,500$102,500 2007$102,2503.8% $105,370$3,500$101,870 2008$104,629-38.5%0.00%$101,870$3,500$98,370 2009$101,12927.1%6.00%$104,272$3,500$100,772 2010$103,44312.6%6.00%$106,818$3,500$103,318 2011$105,8912.10% $105,488$3,500$101,988 2012$104,61513.29%6.00%$108,107$3,500$104,607 We are taking a 3.50% withdrawal(Coupon) each year YTM based on this time period: 4.39% S&P500 returns were taken from www.yahoo.com. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. “Fully invested in the market refers to the S&P500 index.www.yahoo.com

23. For Agent or Broker Use ONLY. Not for use with the general public. Where Would You Be? Year Interest Credited (5.50% Cap) Index Account Value Current 7 Year A Rated Bond 7 Years of Coupon Payments Purchase Price $108,468 $4,875 Par Value $100,000 ING FIA with Systematic Withdrawal 6.00% Cap, 2006-2012 Purchase Price $108,468 $4,875 Account Value $109,151 7 Years of Withdrawals S&P500 returns were taken from www.yahoo.com. Cap rates are subject to change. Values are subject to the claims paying ability of the issuing insurance carrier. All information current as of 8/15/2013. “Fully invested in the market refers to the S&P500 index. A Rated corporate Bond quoted as of 8/14/2013 with a 7 year maturity non-callable HSBC bond from www.scottrade.comwww.yahoo.comwww.scottrade.com

24. For Agent or Broker Use ONLY. Not for use with the general public. Producers Choice Contact Information Phone: 855.223.6500 602.544-1234 Email: AllanS@MailPCN.com