1. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com Who We Are Integrity and National Integrity are member companies of Western & Southern Financial Group One of the 9 strongest insurance groups in the world A 120-year-old Fortune 500 company, mutually owned Assets owned, managed and under care over $41 billion Among the most highly capitalized in the industry GAAP capital-to-asset ratio of 11.7 %** More than double the average of the 15 largest publicly traded life insurance companies***

2. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com Outstanding Ratings A.M. BestStandard & Poor’s Fitch and A+ Superior From A++ Superior; now the second highest of 16 ratings. Outlook - Stable AA+ Very Strong Affirmed and unchanged; the second highest of 21 ratings. Outlook - Stable AA Very Strong From AA+ Very Strong; now the third highest of 21 ratings. Outlook - Stable

3. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com Comdex: The Score That Tells You More

4. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com

5. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com At a Glance Flexible Premium Deferred Annuity Choose among six Guaranteed Rate Options (GROs) — 2-, 3-, 5-, 6-, 7- and 10-years Laddering - Ability to allocate between guarantee periods A seven-year, contribution-based withdrawal period MVA duration is equal to the guarantee duration NM 2 of 15

6. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com 10 GRO MVA  GRO duration = MVA duration  New money base rates  No new withdrawal charge 3 GRO MVA 5 GRO MVA 7 GRO MVA 6 GRO MVA Renewal Options Quarterly Interest Option – QIO NM 13 of 15 After initial guarantee, contract guarantee minimum QIO NO MVA 2 GRO MVA

7. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com Any: GRO 2 New $ Base Rate 3 New $ Base Rate 5 New $ Base Rate 7 New $ Base Rate 10 New $ Base Rate 6 New $ Base Rate Sales Idea – Laddering Premium QIO 50% 1-Year Guarantee 2.00% Commission 7-Year GRO 50% 5.00% Commission + NM 15 of 15

8. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com At a Glance Single Premium Deferred Annuity (SPDA) $20,000 minimum contribution Four guaranteed rate options with matching withdrawal charge periods (Integrity only) — 4-, 5-, 7- and 10-years At end of initial guarantee, option to lock in new money rate and withdrawal charge period of up to 10 years MVA, rate guarantee, and surrender charge durations all match MA 2 of 15

9. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com * Currently no additional interest on 5 year GRO At a Glance Single Premium Deferred Annuity 100% return of principal guarantee 1, 3, 5 & 7 year rate guarantees, 7 year surrender No MVA SS 2 of 8

10. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com Single Premium Immediate Annuity Issue ages 0–95 Minimum contract size $10,000 minimum premium or minimum income payment of $100 (whichever is higher) Maximum contract size $1 million without prior company approval (age 0–75) $500,000 (age 76+) Inflation offset with Increasing Payout Option IS 2 of 11

11. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com Income Source Select Flexible Select Option Deferral Period Two to 20 Years Lock in today’s mortality and interest rate assumptions Commutation Benefit – can take a lump sum within 60 days after income payments begin. May be less that what was paid into the contract. Death Benefit – if annuitant dies before payments begin, the beneficiary receives a death benefit of contributions + interest. Maximum Select Option Kicks in at 85—pure longevity insurance Higher payouts No commutation or death benefits

12. RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com Thank You! Integrity & APS (800) 551-8116