Qualification Period: May 1, 2009 – April 30, 2010*

Production Requirements, producer and adult guest:

• Tier One: $1 million paid first-year fixed annuity premium, minimum 5 paid cases
  
• Tier Two: $2.5 million paid first-year fixed annuity premium, minimum 7 paid cases
  
• Tier Three: $4 million paid first-year fixed annuity premium, minimum 10 paid cases

*Applications submitted May 1, 2009 – April 30, 2010 and issued by close of business June 30, 2010 will be counted toward qualification.

• RBC ExTRA is available to RBC Insurance producers in the United States who are appointed with Liberty Life Insurance Company. Qualifying business cannot be submitted through a broker-dealer.
• RBC ExTRA is not available to all sales organizations, please check for availability.
• RBC Insurance will limit this program to the first 35 qualifying producers with the following maximums: 20 Tier One qualifiers, 10 Tier Two qualifiers and 5 Tier Three qualifiers.
• This is a 1099 taxable event.
• All travel must be booked by October 31, 2010 and completed by December 31, 2010.
• Cash or an equivalent award will NOT be presented to qualifiers who do not accept this award.
• RBC ExTRA destinations are chosen by RBC Insurance and are final. Alternate destinations will NOT be offered to qualifiers.
• The award is NON-TRANSFERABLE (qualifying producer and guest ONLY).
• Producers must register on the RBC ExTRA Web site to be eligible. If a producer registered during the 2008-09 qualification period, he/she is not required to register again.
• The producer must be active and in good standing at the time of the qualification.
• Producers may qualify for any Tier at any time throughout the qualification period. They are not required to accept the Tier One award when they reach $1 million in first-year fixed annuity premium and may apply that $1 million in qualifying premium toward a Tier Two or Tier Three award as long as a Tier One award is not accepted.
• When an agent qualifies and uses their RBC ExTRA Individual Recognition Award from any Tier, qualification numbers reset.
  - i.e. If a producer qualifies for a Tier One trip with $1 million in first-year RBC Insurance fixed annuity premium and five cases and takes a Tier One trip, he/she must produce an additional $2.5 million in first-year fixed annuity premium and seven cases to qualify for a Tier Two trip making total qualifying business $3.5 million. Or, he/she must produce an additional $4 million in first-year fixed annuity premium and 10 cases to qualify for a Tier Three trip, making total qualifying business $5 million.
• A producer can qualify for a maximum of two RBC ExTRA Individual Recognition Awards during a single qualification period; however, the two awards cannot be from the same Tier.
  - i.e. A producer has $4 million in production and 10 paid cases and decides to take a Tier Three trip. This same producer is now only eligible to qualify for either a Tier One or Tier Two award during that same qualification period.
• RBC Insurance reserves the right to cancel the RBC ExTRA program at any time without any obligation.