SERB NATIONAL FEDERATION COMMISSION SCHEDULE

EFFECTIVE JANUARY 1, 2004

PLAN FIRST SECOND YEARS

YEAR YEAR 3-10

1. Ordinary Life 70% 10% 5%

2. 20 Payment Life 70% 10% 5%

3. Single Premium Life 6% 0 0

4. Education/Life Annual 8% 0 0

5. Education/Life Single 5% 0 0

6. Yearly Renewable Term 35% 10% 5%

7. 10-Year Level Term 35% 10% 5%

8. Term to age 25* 50% 0 0

*TERM TO AGE 25 MUST BE PURCHASED IN CONJUNCTION WITH A PERMANENT LIFE INSURANCE PLAN TO RECEIVE A COMMISSION

SPECIAL NOTE: For all of the above renewable plans (all but Single Premium Whole Life and Single Premium Education/Life), the commission shall be paid according to the following schedule:

1) first year - 50% of the stated first year commission;

2) second year upon renewal of the plan - 50% of the first year commission and the entire second year commission.