Momentum Independent Network Inc

Fees and Compensation
           Fees and charges differ when a variable annuity is purchased in a traditional brokerage account rather than an
           advisory program like Destination Fee-Based Annuity Program. Generally, variable annuities that are
           available for purchase in an advisory account have lower surrender charges than similar variable annuities
           from the same issuing insurance carrier when the product is purchased in a traditional brokerage account. The
           difference in surrender charges is largely attributable to the portion of the surrender charge that the issuing
           insurance carrier would use to pay selling commission to registered representatives in a traditional brokerage
           relationship. The fee for any optional death benefit riders and/or living benefit riders is generally the same
           whether the variable annuity is purchased in an advisory account or a traditional brokerage account; selling
           compensation is not paid to MIN nor IARs if the Client selects an optional benefit rider.
           Clients that participate in the program will be charged a quarterly program fee for each Destination Fee-Based
           Annuity Program contract not to exceed the fee rate from the fee schedule below:
           Destination Fee-Based Annuity Program Fee Schedule
                                     Portfolio Value                                  Maximum Annual Fee

                               Any Billable Account Value                                     1.50%

           The Program fee will vary among Clients and may be negotiable under certain circumstances. Factors
           typically considered to determine the Client Program Fee include:
               •   The managed account Program(s) the Client have selected.
               •   The amount of assets in the Contract.
               •   The personal financial needs, objectives, and complexity of the Client’s financial situation.
               •   The level of anticipated or actual trading within the Sub-accounts.
               •   The experience level and credentials of the IAR.

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           Calculation of Program Fees
           The Program fee is based on the accumulated value of the contract assets as of the last business day of the
           end of the quarter and in accordance with the Client Agreement.
           The Program fee is not deducted from the annuity Program account, but instead it is deducted from a payment
           account opened at MIN. The payment account is a separate brokerage or ASG account that is linked to the
           Destination Fee-Based Annuity Program account for the payment of the Program fee.
           In addition to the Program fee, the Client pays the insurance company the internal expenses for the selected
           annuity product as disclosed in the annuity’s prospectus. Internal expenses for annuity products are borne by
           all customers that own the annuity and are in addition to the Destination Fee-Based Annuity Program fee the
           Client pays. They are paid directly from the assets in the annuity product as outlined in the products’
           prospectus and cannot be paid from a payment account.
           Allocation of the Program Fee
           A portion of the Clients Program Fee is paid to MIN, their IAR and the Platform Manager for their services.
           The amount of the fees paid to the Clients IAR and/or MIN depends upon the Program Fee that the Client
           negotiates with their IAR and the amount of the fee payable to the IAR pursuant to the MIN compensation
           policies.
           Is the Destination Fee-Based Annuity Program right for the Client
           The IAR and/or MIN may recommend to the Client one or more Programs. The decision to select one or
           more managed account Programs is up to the Client. A discussion between the Client and their IAR, among
           other things, should include the following to determine if the recommended Program is appropriate:
               •The cost, potential benefits, and potential risks of the Destination Fee-Based Annuity Program.
               •The Client’s investment objectives and sophistication of the investment strategy
               •The types of and number of investments the Client holds and intends to make, including the
                percentage of the overall portfolio that the Client intends to hold in the fixed sub-account.
             • The Client’s desire for diversification across sub-account(s).
             • The Client’s anticipated use of other services and features specific to the Destination Fee-Based
                Annuity Program.
             • The payment preference of an asset-based fee for ongoing investment advice and other related
                services compared to a commission-based variable annuity.
           At any time, a contract can vary greatly in the size, number and diversity of the sub-accounts held, due to,
           among other things, market conditions and the current investment needs and objectives. Generally, it is
           recommended that the Client diversify their holdings to help reduce the portfolio’s overall market risk.
           Investment diversification does not ensure a profit or protect against loss. If the Client intends to hold a
           concentrated portfolio, including a concentrated position in the Fixed Account, for an extended period of
           time, the Client should consider other contract options (i.e., investing in a commissioned based variable
           annuity) that may be more economically advantageous for them.
           The Clients IAR receives training related to the product offerings in the Destination Fee-Based Annuity
           Program. Training includes, but not limited to, the Client’s needs and suitability of product, expected trading,
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