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<PAGE> COMMISSIONS: - Each option consists of an immediate initial payment with quarterly trail payments that may vary up or down over time. <TABLE> <CAPTION> Ages 0-80 Option Initial 0-8 9 <S> <C> <C> <C> A 8 0 0 B 7.25 .25 .25 C 6.0 .50 .50 D 5.5 .50 1.0 E 4.0 1.0 1.0 Ages 81+ Option Initial 0-8 9 A 5 0 0 B 4.5 .25 .25 C 4.0 .50 .50 D 3.75 .50 1.0 E 3.5 1.0 1.0 </TABLE> - Commissions are based on a percent of payment and trails are based upon a percent of accumulated value. CHARGEBACKS At free look 100%
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