NINE-YEAR FLEXIBLE PREMIUM DEFERRED ANNUITY

The surrender charge for the Nine-Year Flexible Premium Deferred Annuity is as follows:

Withdrawal options without surrender charge:

1. Up to 3 partial withdrawals per certificate year, of at least $100, but not to exceed 10% of the Accumulation Value at the beginning of that year. There will be a service fee of $5.00 per check.

2. Automatic, scheduled withdrawal of interest earned can be elected monthly, quarterly, semi-annually or annually. Once an election is made, it cannot be changed. There will be a service fee of $5.00 per check.

3. Nursing home provision can be elected upon proof of a permanent confinement to a nursing home. Medical documentation is required. The entire accumulation account must be withdrawn in one payment. There will be no service fee for the single check.

4. Terminal illness provision may be elected with medical documentation of a quaiflying terminal illness. The entire accumulation account must be withdrawn in one payment. There will be no service fee for the single check.

Membership is conveyed by the purchase of the Nine-Year Premium Deferred Annuity. A membership application, with appropriate local lodge dues, must accompany the application. Annual membership dues must accompany the membership application.

The Nine-Year Flexible Premium Deferred Annuity has maximum and minimum deposit amounts.

A. The maximum total deposit amounts in the first year is $250,000 and $150,000 in subsequent years per the contract.

B. The minimum deposit to open a non-qualified annuity is $2,500.

Interest paid on the accumulation account is set by the Hermann Sons Life Executive Commitee and generally reflects market conditions.

A. The current interest rate will be adjusted each year on the anniversary date of the annuity.

B. A guaranteed minimum interest rate is set by the Hermann Sons Life Executive Committee and cannot be changed once the contract is issued.

C. Interest is compounded daily to arrive at the annualized rate stated.

Note: Maturity Date - The date an annuity settlement option must be selected. The Hermann Sons Life Maturity Date is annuitant age 70 if the annuitant was under age 50 when the annuity was orginally issued. If the annuitant was age 50 or over at the time the annuity was issued, the maturity date is 20 years from the issue date.

Current tax laws, which may or may not be applicable at future dates, provide that any distributions are includable in taxable income to the extent of earnings in the contract. Further, a 10% penalty tax may be applicable to premature distributions of an annuity to the extent the payment is includable in taxable income. Under current law, any distribution before age 59 1/2 will generally be subject to the penalty tax. The tax situation of an individual will be effected to the extent that taxes and penalties are payable. The individual should consult his or her tax adviser.