American Equity Change Of Agent Agreement

Brookfield Asset Management Brookfield Asset Management is a global leader in alternative asset managers, with approximately $550 billion in assets under management in real estate, infrastructure, renewable energy, private equity and credit. Brookfield owns and operates long-term assets and businesses, many of which are the backbone of the global economy. Brookfield uses its global reach, access to large capital and operational know-how, and offers investors around the world a number of alternative investment products, including public and private pension plans, foundations and foundations, sovereign wealth funds, financial institutions, insurance and private investors. In 2012, if you actually invested in the S-P 500 by buying a listed fund like SPY, you would have increased by 16% thanks to price valuation and dividends. The non-dividend S.P. 500 increased by 13.4%. If you have selected a point-to-point credit in the bonus gold annuity, you will get a gain of only 2.86%. If you have selected the annual point-to-point credit, you will receive 3.25%. It is important that American Equity can change your course after your contract anniversary. If your agent correctly explains this pension, you should understand the nuances and never feel that you are getting more than 5% return in today`s zero rate environment. Based on current ceilings and participation rates, the more realistic expectation of yields is between 2 and 4%, and I think it would be at the lower end of the range, given the historically low yields in the bond market.

While the bonus vests 10% immediately, American Equity protects by setting a double-digit transfer fee for the first 12 years of this pension. This press release contains “forward-looking information” within the meaning of Canadian provincial securities laws and “forward-looking statements” within the meaning of U.S. Section 27A. Securities Act of 1933 in its current version, Section 21E of the U.S. Securities Exchange Act of 1934, in its current version, the provisions of the U.S. Securities Protection Act of 1995 and all Canadian rules applicable in securities matters. In some cases, you may identify forward-looking statements and information using words such as “expected,” “expected,” “think,” “estimate,” “predict,” “anticipate,” “plan,” “become” and “become” or identify the negative version of those words or similar words that are premonitory or that refer to future events, trends or prospects and that do not refer to historical statements. Andrew, American Equity is pleased to read that you are satisfied with the benefits of your retirement contract and employees with your agent and the company. We work hard to offer excellent service and products and enjoy the time to share your experience with others! Some agents will open up the yield on the cap loan, as most indexed annuities do not offer a loan option. This is for people who fear the stock market and think the bond market is more stable.

On each anniversary of the contract, the price of the loan is compared to the price of the loan on the occasion of the previous anniversary.