¹The ratings apply to Midland National's financial strength and claims paying ability. These ratings do not apply to the safety or performance of variable accounts which will fluctuate in value.

Final determination of convention qualification will be at the sole discretion of Midland National Life Insurance Company and we reserve the right to deny attendance to any qualifier. Midland National also has full power and authority to determine the validity of all credit awards and to approve all invitations. Conventions can be cancelled without notice and without any obligation on the part of Midland National to any person. Invitations are non-transferable and may not be redeemed in cash. Agents who have requested no publicity are not eligible for conference qualification. Invitees must be duly licensed and appointed with Midland National, and submitting a normal amount of business at the time of converence in order to receive an invitation. All expenses, both agent and approved guest related to the Convention will be considered additional compensation to the agents and will be reported by the Company to the IRS.