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  Legal Notice 
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          | ;) | ;) | ;) |   
          | ;) |   
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                | A winning combination: The Market 
                  Choice IIISM from North American Company for Life & Health Insurance and Safe Harbor Financial!
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                |  | Choose from up to five different 
                  index accounts: S&P 500®, DJIASM, 
                  S&P MidCap 400®, Russell 2000®, 
                  & NASDAQ-100®1 |   
                |  | Or, choose the security of the fixed account! |   
                |  | 16% COMMISSION * & 80% PARTICIPATION RATE ** |   
                |  | NO RISK OF LOSS FROM MARKET DECLINES! YOUR CLIENTS WILL LOVE THE SECURITY OF THIS OUTSTANDING PRODUCT!
 |   
                |  | Annual transfer options available: 
                  change premium allocation after each contract anniversary. |   
                |  | Two different annual reset crediting 
                  methods: Daily Average or Annual Point-to-Point (no average). |  |   
          |  |   
          |  or  
 
               
                
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                        | Please fill out the form below for more information |   
                        | Name: |  | ;) |   
                        | E-mail: |  |   
                        | Phone: |  |   
                        | City: |  | State: |  |   
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          | FOR AGENT USE ONLY. NOT INTENDED FOR 
            CONSUMER SOLICITATION PURPOSES. The Market Choice III(sm) annuity 
            is issued on form series LC115 (group) and LS115A (individual), and 
            state variations by North American Company for Life and Health Insurance, 
            Chicago, Illinois. This product and its features may not be available 
            in all states. "Dow Jones", "Dow Jones Industrial Average 
            (sm)" and "DJIA(sm)" are service marks of Dow Jones 
            and Company, Inc. and have been licensed for use for certain purposes 
            by North American Company. Russell 2000 Index is a trademark of Frank 
            Russell Company and has been licensed for use by North American Company. 
            "Standard & Poor's®", "S&P®", 
            "S&P 500®", "Standard & Poor's 500 Index®", 
            "S&P MidCap 400 Index®" and "Standard & 
            Poor's MidCap 400 Index®" are trademarks of the McGraw-Hill 
            Companies, Inc. and have been licensed for use by North American Company. 
            The NASDAQ-100®, NASDAQ-100 INDEX® and NASDAQ® are registered 
            marks of the NASDAQ Stock Market Inc. (which with its affiliates are 
            the "Corporations") and are licensed for use by North American 
            Company. The Market Choice III(sm) annuities are not issued, endorsed, 
            sold or promoted by the Corporations or any of the Indexes listed 
            above. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH 
            RESPECT TO THE MARKET CHOICE III(sm). *Commissions are based upon 
            rates as of 5/1/02. Commissions may vary by state and are subject 
            to change. **Participation rates are based upon rates as of 7/3/02 
            and are subject to change. Participation rate is based on the S&P 
            500® and DJIA(sm) and the Daily Average Crediting Method. Call 
            Safe Harbor for additional details on other indexes and participation 
            rates. 1NASDAQ-100® is available on the Point-to-Point 
            Index Crediting Option only. 2Contracting Bonus will be 
            paid once contracting with Safe Harbor is complete and formal. NDF-8079Z-ADII-421 Prt. 7/02 Exp. 9/15/2002
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