SERB NATIONAL FEDERATION COMMISSION SCHEDULE

EFFECTIVE November 1, 2008

	PLAN		FIRST YEAR	SECOND YEAR	YEARS 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 (See note 1)		8%	0	0
5.	Education/Life Single (See note 1)		5%	0	0
6.	10-Year Term Renewable & Convertible		30%	5%	2 thru 10 yrs
7.	Term to age 25 (See note 2)		50%	0	0
9.	Annuities, IRA's, Coverdell ESA's, HSA's (Heath Savings Accounts).
	New Accounts	3%
	Additions To Existing Accounts ($50.00 or more)	1%

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.