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Traditional Deferred Annuities - Liberty Series

	Liberty Choice	Liberty Select
Maximum Issue Age*	90	85
Minimum Premium	$5,000 Single $100 monthly additions	$5,000 Single $100 monthly additions
Initial First Year Rate Enhancement	1.00%	1.50%
Surrender Charges Tables show surrender charge percent based on the contract year and issue age of the annuitant.	Yr 0-90 1 8% 2 7% 3 6% 4 5% 5 4% 6+ none	Yr 0-55 56+ 1 12% 8% 2 11% 7% 3 10% 6% 4 8% 5% 5 6% 4% 6 4% 3% 7 2% 2% 8+ none none

*Note: Maximum Issue Age for Liberty Choice is limited to age 85 in Oklahoma.

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