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                      | Tired of forecasting gains via a crystal ball? Try a sure thing...a 
                        top first year yield with the ability to link to index growth in future years! 
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                      | 12% COMMISSION* No Reductions!
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                      | Annual Transfer Options 
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                      | Daily Average or Annual Point-to-Point Crediting Methods |   
                      | Top 
                        First Year Yield: Call MarketShare Financial for Complete Details! |   
                      | 5 distinct crediting accounts |   
                      | NO RISK OF LOSS IN YEARS WHEN MARKET DECLINES! |  |  | 
                     
                      | Versatile. Dependable. It's the only financial tool you will ever need! 
 
 
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                      | 16% COMMISSION* No Reductions!
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                      | Choice of 2 index crediting methods: Daily Average or Annual Point-to-Point
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                      | Great 
                        Participation Rates: Call MarketShare Financial for Current Rates! |   
                      | Annual restriction-free transfer options 
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                      | Issued through age 85 |   
                      | Up to five different index accounts 
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