Please reproduce the charts of the attached annuity brochure using excel with formulas.

What are the two Charts trying to illustrate?

Recreate the payouts with a guaranteed minimum rate of 0%

HOW WILL THE VALUE 1. OF MY ANNUITY GROW? Interest Crediting Options Four Interest Crediting Options That Offer Upside Potential (Subject To Caps) 1. One-year S&P 500 monthly point-to-point with a cap Three of the four options in your annuity will earn interest based on Minimum cap per year: 1% formulas linked to changes in an index. These are subject to a cap rate 2 One-year S&P 500 monthly average with a cap (see Interest-Crediting options 1 through 3 on the side box). Minimum cap per year: 3% Indexed interest is credited on each interest crediting option anniversary 3 One-year S&P 500 annual point-to-point with a cap and, because indexed interest will never be less than the guaranteed Minimum cap per year: 3% minimum effective rate, your account value will never decrease due to a 4. Fixed interest option with a seven year initial declining index interest rate guarantee The fourth interest crediting option is the fixed interest option. The initial "publication of the selected index is discontinued, or we are interest rate is GUARANTEED for seven years, and the rate thereafter is unable to utilize it, or if the calculation is substantially changed, we will substitute a suitable atemative index and nolly you at guaranteed to be equal to or greater than the guaranteed minimum effective your last known address annual interest rate declared in your contract for the life of your annuity. This adaptable combination of four interest crediting options offers you the flexibility to reallocate your account value between these options on each crediting option anniversary. The following hypothetical example illustrates how the account value of a generic fixed indexed annuity (which is not necessarily representative of this product can increase but never decrease in value, assuming no withdrawals and no surrender charges. The graph below assumes an Annual Point-to-Point crediting option with 100% participation rate in the indexing formula. Annual interest credits for the Annuity are based upon assumed indexed interest rates linked to the S&P 500's actual performance and will never be below the guaranteed minimum effective interest rate. The guaranteed minimum effective interest rate is based on 1.75% on 100% of premium $160,000 $150,000 $140,000 $130,000 6.00 600 B0% 16.40 2.16% 1145 $120,000 $110,000 $100,000 420 $90,000 1.18 -11,82% -10021 8.44% 21.94% -35. $80,000 $70,000 $80,000 1/1/1999 11/2000 1/1/2001 1/1/2002 171/2003 1/1/2004 1/1/2005 1/1/2006 1/1/2007 11/2008 1/1/2009 Fund growing in annual change in Sindex Account Value The above chart assumes an initial premium of $100,000. The S&P 500 Index value assumes the initial account value is evenly allocated among the stocks comprising the index. The S&P 500ic an index meaturing the performance of colected clock (ancluding dividende, it is not an investment. Whora inactment in cockt underlying the SD 500 can gain orice value including principal, the Annuit, principal is guaranteed, which cams interest and is subject is minimum interest guarantees and credited interest rate caps Webdewals wil decrease see sunt value and the dollar amoureuse rend may be subje SUPERB sharges HOW WILL THE VALUE 1. OF MY ANNUITY GROW? Interest Crediting Options Four Interest Crediting Options That Offer Upside Potential (Subject To Caps) 1. One-year S&P 500 monthly point-to-point with a cap Three of the four options in your annuity will earn interest based on Minimum cap per year: 1% formulas linked to changes in an index. These are subject to a cap rate 2 One-year S&P 500 monthly average with a cap (see Interest-Crediting options 1 through 3 on the side box). Minimum cap per year: 3% Indexed interest is credited on each interest crediting option anniversary 3 One-year S&P 500 annual point-to-point with a cap and, because indexed interest will never be less than the guaranteed Minimum cap per year: 3% minimum effective rate, your account value will never decrease due to a 4. Fixed interest option with a seven year initial declining index interest rate guarantee The fourth interest crediting option is the fixed interest option. The initial "publication of the selected index is discontinued, or we are interest rate is GUARANTEED for seven years, and the rate thereafter is unable to utilize it, or if the calculation is substantially changed, we will substitute a suitable atemative index and nolly you at guaranteed to be equal to or greater than the guaranteed minimum effective your last known address annual interest rate declared in your contract for the life of your annuity. This adaptable combination of four interest crediting options offers you the flexibility to reallocate your account value between these options on each crediting option anniversary. The following hypothetical example illustrates how the account value of a generic fixed indexed annuity (which is not necessarily representative of this product can increase but never decrease in value, assuming no withdrawals and no surrender charges. The graph below assumes an Annual Point-to-Point crediting option with 100% participation rate in the indexing formula. Annual interest credits for the Annuity are based upon assumed indexed interest rates linked to the S&P 500's actual performance and will never be below the guaranteed minimum effective interest rate. The guaranteed minimum effective interest rate is based on 1.75% on 100% of premium $160,000 $150,000 $140,000 $130,000 6.00 600 B0% 16.40 2.16% 1145 $120,000 $110,000 $100,000 420 $90,000 1.18 -11,82% -10021 8.44% 21.94% -35. $80,000 $70,000 $80,000 1/1/1999 11/2000 1/1/2001 1/1/2002 171/2003 1/1/2004 1/1/2005 1/1/2006 1/1/2007 11/2008 1/1/2009 Fund growing in annual change in Sindex Account Value The above chart assumes an initial premium of $100,000. The S&P 500 Index value assumes the initial account value is evenly allocated among the stocks comprising the index. The S&P 500ic an index meaturing the performance of colected clock (ancluding dividende, it is not an investment. Whora inactment in cockt underlying the SD 500 can gain orice value including principal, the Annuit, principal is guaranteed, which cams interest and is subject is minimum interest guarantees and credited interest rate caps Webdewals wil decrease see sunt value and the dollar amoureuse rend may be subje SUPERB sharges