ISDA FINANCIAL LIFE Gold 5 3.50% APY Minimum Deposit $5,000 Maximum Deposit $750,000 3.50%-1st year guaranteed interest rate Non-guaranteed renewal rate - Year 2-5 3.00% Surrender Charge: Year 1 - 5%, Year 2 - 4%, Year 3-2% Year 4 - 2%, Year 5-1% Minimum guaranteed interest rate is 1.75% Robert D. Haramia, Harwil Solutions Financial Consultant 412-328-4018 phkharamia@hotmail.com ISDA Financial Life is proud to be a member-owned, not-for-profit provider of life insurance and annuity products for 60+ years. ISDA Frater- nal Association is a fraternal benefit society domiciled in PA since 1960. 5 YEAR TAX DEFERRED ANNUITY Free W/D without ISDA Surrender Charges Interest W/D after 30 days 10% of cash value at 1st anniversary (contractual) Plus 5% of cash value at first anniversary (fraternal benefit) RMD for qualified plan Death of annuitant Annuitization - 5 year minimum Additional deposits do not reset penalty @dno=229692 ISDA FINANCIAL LIFE Gold 5 3.50 % APY Minimum Deposit $ 5,000 Maximum Deposit $ 750,000 3.50 % -1st year guaranteed interest rate Non - guaranteed renewal rate - Year 2-5 3.00 % Surrender Charge : Year 1 - 5 % , Year 2 - 4 % , Year 3-2 % Year 4 - 2 % , Year 5-1 % Minimum guaranteed interest rate is 1.75 % Robert D. Haramia , Harwil Solutions Financial Consultant 412-328-4018 phkharamia@hotmail.com ISDA Financial Life is proud to be a member - owned , not - for - profit provider of life insurance and annuity products for 60+ years . ISDA Frater nal Association is a fraternal benefit society domiciled in PA since 1960 . 5 YEAR TAX DEFERRED ANNUITY Free W / D without ISDA Surrender Charges Interest W / D after 30 days 10 % of cash value at 1st anniversary ( contractual ) Plus 5 % of cash value at first anniversary ( fraternal benefit ) RMD for qualified plan Death of annuitant Annuitization - 5 year minimum Additional deposits do not reset penalty @ dno = 229692