• 5.00% APY fully intended for all 10 years as of February 12, 2008
• May be added to anytime within the first 90 days
• 10 year declining surrender charge
• Surrender charges Yr 1-10%, Yr 2-9%, Yr 3-8%, Yr 4-7%, Yr 5-6%, Yr 6-5%, Yr 7-4%,  Yr 8-3%, Yr 9-2%, Yr 10-1% Yr 11-0%
• 15% free withdrawal each year
• Single Premium: Low minimum deposit of $1,000
• Medical expense benefit withdrawal allowed (no fee)
• Terminal illness benefit (no fee)
• Nursing home benefit (no fee)

• 4.75% APY fully intended for all 8 years as of February 12, 2008
• May be added to anytime within the first 90 days
• 8 year declining surrender charge
• Surrender Charges - Yr 1-8%, Yr 2-7%, Yr 3-6%,       Yr 4-5%, Yr 5-4%, Yr 6-3%, Yr 7-2%, Yr 8-1%,        Yr 9-0%
• 15% free withdrawal each year
• Single Premium: Low minimum deposit of $1,000
• Medical expense benefit withdrawal allowed (no fee)
• Terminal illness benefit (no fee)
• Nursing home benefit (no fee)

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• 4.75% APY fully intended for the full five years as of February 12, 2008
• May be added to anytime within the first 90 days
• 5 year surrender charge
• Surrender Charges: Yr 1-9%, Yr 2-7%, Yr 3-5%,        Yr 4- 3%, Yr 5-1%, Yr 6-0%
• Single Premium: Low minimum deposit of $1,000
• 15% free withdrawal each year
• Medical expense benefit withdrawal allowed (no fee)
• Terminal illness benefit (no fee)
• Nursing home benefit (no fee)

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• 4.25% Fully Intended APY for the full three years
• as of February 12, 2008.
• Low start up deposit of $1,000
• May be added to anytime within the first 90 days
• Fully Intended yields for the length of the annuities
• 30-day window of opportunity to withdraw at the end of the 3 years.
• Surrender Charges: Yr 1-9%, Yr 2-7%, Yr 3-5%, Yr 4-3%, Yr 5-1%, Yr 6-0%
• 10% free withdrawal each year.
• If not withdrawn or renewed, the annuity will continue as a 5-Year contract at the then assigned yield

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• 4.25% Fully Intended APY for the full two years as of February 12, 2008.
• Low start up deposit of $1,000
• May be added to anytime within the first 90 days
• Fully Intended yields for the length of the annuities
• 30-day window of opportunity to withdraw at the end of the 2 years.
• 10% free withdrawal each year.
• Surrender Charges: Yr 1-9%, Yr 2-7%, Yr 3-5%, Yr 4-3%, Yr 5-1%, Yr 6-0%
• If not withdrawn or renewed, the annuity will continue as a 5-Year contract at the then assigned yield

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• 4.25% Fully Intended APY for the full one year as of February 12, 2008.
• Low start up deposit of $1,000
• May be added to anytime within the first 90 days
• Fully Intended yields for the length of the annuities
• 30-day window of opportunity to withdraw at the end of the 1 year.
• 10% free withdrawal each year.
• Surrender Charges: Yr 1-9%, Yr 2-7%, Yr 3-5%, Yr 4-3%, Yr 5-1%, Yr 6-0%
• If not withdrawn or renewed, the annuity will continue as a 5-Year contract at the then assigned yield

All annuity plans offered by Western Catholic Union have the following benefits:

• Supported by  high investment quality bonds
• No annual administration fees, no sales charge
• May be annuitized at any time and at no charge
• Single Premium Deferred Annuities may be added to within the first 90 days of issue.
• Rates for new issue annuities are subject to change at any time.

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