CUSTOMER DISCLOSURE STATEMENT

Questar Capital Corporation -
5701 Golden Hills Drive
Minneapolis, MN 55416-1297
1.888.446.5872

This disclosure statement concerns securities products purchased or sold by registered representatives of Questar Capital located at Home State Bank. All securities products are offered through Questar Capital Corporation, Member NASD/SIPC. Home State Bank is independent of Questar Capital Corporation.

- Securities products purchased or sold through registered representatives of Questar Capital are not insured by the FDIC.

- Securities products purchased or sold through registered representatives of Questar Capital are not a deposit or other obligation of; or guaranteed by, Home State Bank.

- Securities products purchased or sold through registered representatives of Questar Capital are subject to investment risk, including the possible loss of the principal amount invested.

- Securities products purchased or sold through registered representatives of Questar Capital contain sales loads and other applicable charges.

Variable Annuity Acknowledgement

1. A variable annuity is a contract with an insurance company and is offered through Questar Capital, Inc., a registered broker/dealer.

2. A variable annuity gives you the choice of investing in a variety of sub-accounts. The principal, dividends, yields and returns on the variable sub-accounts may fluctuate and are not guaranteed.

3. You will be given a current Prospectus for the variable annuity listed above that provides complete information including disclosure of fees and expenses associated with this annuity. A Registered Representative will review this with you.

4. You understand that a purchase of a variable annuity is a long-term investment product that lacks liquidity and may have penalties for withdrawals prior to age 59 1/2.

5. You understand that a 1035 tax free exchange or qualified transfer from an existing annuity to a new annuity may provide a lower minimum interest rate and a different surrender charge than the annuity you currently own.

6. You understand that if you are purchasing a variable annuity in a tax deferred account that the tax deferral accrual feature is provided by the tax-qualified plan.

7. You understand that there may be additional commissions paid to your Registered Representative as a result of this transaction and/or that you may incur surrender charges on any existing policies.