Fixed Rate Insurance Fund Rates

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					                          Table 4 - Fixed Rates

Company             Contract Name       Int. Rate   Min. Int.   Credit
                                        2004        Rate        Method
Annuity Investors   The Commodore       3.35        2.0         Banding
Life Insurance      Distinction II
Co.
Annuity Investors   The Commodore       3.6         2.0         Banding
Life Insurance      Distinction
Co.
Citistreet          T-Flex            3.60          3.50        Banded
Citistreet          Gold Track Select 3.40          3.00        Portfolio
                    Fixed Rate A
CUNA Mutual         MEMBERS Select II 3.20          2.00        New
Life Insurance      5 Yr                                        Money
Company
CUNA Mutual         MEMBERS Select II 3.75          2.00        New
Life Insurance      10 Yr                                       Money
Company
CUNA Mutual         MEMBERS Select II 3.30          2.00        New
Life Insurance      7 Yr                                        Money
Company
Great American      American Freedom    4.32        2.0         Banding
Life Insurance      10-ST
Co.
Great American      TSA VIII            3.15        3.0         Banding
Life Insurance
Co.
Great American      TSA III             3.8         3.0         Banding
Life Insurance
Co.
Lincoln National    Multi-              3.50        —           New
Life Insurance      Fund®Individual                             money
Company                                                         rate/portfol
                                                                io
One Life (Federal Classic II - 3 Year   2.25        2.0         Compound
Kemper Life Life MVA                                            ed on a
Assurance)                                                      daily factor
One Life (Federal   Classic II - 1 Year   2.0       2.0   Compound
Kemper Life Life    Fixed                                 ed on a
Assurance)                                                daily factor
One Life (Federal   Preferred Plus - 1    3.0       2.0   Compound
Kemper Life Life    Year Fixed                            ed on a
Assurance)                                                daily factor
One Life (Federal   Advantage III - 1     3.0       2.0   Compound
Kemper Life Life    Year Fixed                            ed on a
Assurance)                                                daily factor
One Life (Federal   Classic II - 6 Year   3.6       2.0   Compound
Kemper Life Life    MVA                                   ed on a
Assurance)                                                daily factor
One Life            Classic II 1 Year     3.0       3.0   Compound
(Kemper             Fixed                                 ed on daily
Investors Life                                            factor
Insuracne
Company)
One Life            Advantage III         3.0       3.0   Compound
(Kemper                                                   ed on daily
Investors Life                                            factor
Insurance
Company)
One Life            Preferred Plus - 1    3.0       3.0   Compound
(Kemper             Year Fixed                            ed on daily
Investors Life                                            factor
Insurance
Company)
One Life            Classic II - 6 Year   3.6       3.0   Compound
(Kemper             MVA                                   ed on daily
Investors Life                                            factor
Insurance
Company)
One Life            Classic II - 3 Year   3.0       3.0   Compound
(Kemper             MVA                                   ed on daily
Investors Life                                            factor
Insurance
Company)
Prudential          Guaranteed Interest   Quarterly 3.0   Daily
Retirement          Account                               Valuation
VALIC   Fixed Account Plus   3.54   2.0   VALIC
                                          declares a
                                          "current
                                          rate”
VALIC   Short Term Fixed     3.0    —     current
        Account                           interest
                                          rate

				
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