Short Term:  4.25%  Optimum Choice (1  year)

5.25% Optimum 2*

5.50% Optimum 3*

Long Term:  6.25% Genesis 5*   7.00% Genesis 8*

• Guaranteed never to earn less than 3%
• Tax deferred earnings
• No sales charges or fees
• Liquidity/Withdrawal features
• Flexible retirement income options
• Avoids Probate

*$25,000 Minimum Deposit; Lower minimums available