Amendment to [Schedule B]. The Product pricing tables on [Schedule B] of the Product Agreement are hereby amended and replaced with the pricing tables set forth on [Exhibit 1] of this Amendment. For clarity, the pricing set forth in the updated pricing tables applies with respect to Product purchases beginning retroactively as of ​.

[Schedule B]. [Schedule B] to the 1st Amendment is hereby deleted in its entirety and replaced with new [Schedule B] attached hereto.

Amendment to SCHEDULE A. “[Schedule A] – Covered Policies” to the Agreement is replaced in its entirety with the “[Schedule A] – Covered Policies” attached to this Amendment.

MEMBERS® Zone Annuity

Amendment to [Schedule 1]. The Credit Agreement is hereby amended to delete [Schedule 1] (Commitments of Lenders) therefrom and to insert in place thereof a new [Schedule 1] in the form of [Schedule 1] hereto.

Amendment to [Schedule 4.2] [[Exhibit A]], The investment guidelines attached as [Schedule 4.2] to the Agreement are hereby replaced in their entirety with the investment guidelines attached hereto.

Amendment to [Schedule 4.2] [[Exhibit A]], The investment guidelines attached as [Schedule 4.2] to the Agreement are hereby replaced in their entirety with the investment guidelines attached hereto.

Amendment to [Schedule C]. The stability pricing table on [Schedule C] of the Product Agreement is hereby amended and replaced with the stability pricing tables set forth on [Exhibit 2] of this Amendment.

Amendment to [Schedule 2.01]. [Schedule 2.01] is amended and restated in its entirety to read as set forth in [Schedule 2.01] hereto.

Amendment to Vesting Schedule. Although the Company reserves the right to amend the vesting schedule at any time, the Company shall not amend the vesting schedule (and no such amendment shall be effective) if the amendment would reduce the vested percentage of any Participant’s Account (determined as of the later of the date the Company adopts the amendment or the date the amendment becomes effective) to a percentage less than the vested percentage computed under the Plan without regard to the amendment. If the vesting schedule of the Plan is amended or any other amendment to the Plan is adopted which directly or indirectly affects the computation of the vested percentage of a Participant’s Account, the vested benefit of any Participant who has completed at least three (3) Years of Service shall be computed under the vesting

Amendment to [Section V(b)]. [Section V(b)] of the Plan is hereby amended and restated in its entirety as follows:

“Schedule Amendment”: each Schedule Amendment, substantially in the form of [Exhibit B], executed and delivered pursuant to ​.

[Schedule B] is hereby deleted in its entirety and replaced by [Schedule B] in the form attached to this Amendment.

#Amendment to [Section 3(b)]. The first sentence of [Section 3(b)] is hereby deleted in its entirety and replaced with the following:

The B.A.D. Option will terminate on ​ (the “Option Termination Date”), except that an Uncontested Member (defined below) who has issued a Notice of Exercise on or before ​ may complete the purchase pursuant to these terms within ten days after the issuance (or the next business day after the tenth day).

[Schedule 7.8(b)] sets forth, as of the Closing Date, a complete and accurate list of all Liens (other than Liens permitted under [[Sections 9.1(a) and (c) through (n)])]]) on the property or assets of each Credit Party and each of its Subsidiaries, showing as of the date hereof the lienholder thereof and the property or assets of such Credit Party or such Subsidiary subject thereto. The property of each Credit Party and each of its Subsidiaries is subject to no Liens, other than Liens set forth on [Schedule 7.8(b)], and Permitted Liens.