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.

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

Gary C. Evans, in the capacity of the representative of the Sellers (“Sellers’ Representative”) in accordance with this Agreement.

Approved Investors. [Schedule AI] to the Repurchase Agreement is amended and restated in its entirety to read as set forth on [Exhibit C] to this Amendment.

[Schedule 8.17] hereto sets forth a complete list of all “business associate agreements” (as such term is defined in HIPAA) that any Borrower or Guarantor has entered into with any person as of the date of Amendment No. 4.

[Schedule 8.18] hereto sets forth an accurate, complete and current list of all participation agreements of any Borrower or Guarantor with health maintenance organizations, insurance programs, preferred provider organizations and other Third Party Payors and all such agreements are in full force and effect and no material default exists thereunder.