CD earnings hit a brick wall? • Interest payments • Tax-deferred growth • No automatic surrender reset • 100% principal guarantee • No MVA or equities exposure • Terminal condition waiver • Nursing home waiver Standard Insurance Company’s Secured Rate Annuity 9.99 % 9.99 % 9.99 % 9.99 % $15,000 minimum 1-year rate guarantee 6-year surrender $15,000 minimum 3-year rate guarantee 3-year surrender $15,000 minimum 5-year rate guarantee 5-year surrender $15,000 minimum 6-year rate guarantee 6-year surrender Rates effective 99/99/9999, may change monthly. Product of Standard Insurance Company. Policy # SRA, SRA-B. Surrender charges may apply to withdrawals during the surrender period. A 10% IRS penalty may apply to withdrawals prior to age 59½. The nursing home waiver is not available in MA. State specific conditions apply to the terminal condition waiver. Annuities are not (a) insured by the FDIC or any federal government agency, (b) deposits of or guaranteed by any bank or credit union and (c) a provision or condition of any bank or credit union activity. Some annuities are subject to investment risk and may lose value. Speak with your agent or financial consultant, or read your contract for complete details. 11985