0000832480-14-000004 Sample Contracts

ADMINISTRATIVE SERVICES AND COST SHARING AGREEMENT
Administrative Services and Cost Sharing Agreement • March 25th, 2014 • Utg Inc • Life insurance • Delaware
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Contract
Utg Inc • March 25th, 2014 • Life insurance • Tennessee

UTG Avalon, LLC PO Box 5147 Springfield IL 62703 BORROWER'S NAME AND ADDRESS "I" includes each borrower above, jointly and severally. First Southern Funding 99 Lancaster Street Stanford, KY 40484 LENDER'S NAME AND ADDRESS "You" means the lender, its successors and assigns. Loan Number _6206-0001_____ Date 3/28/2013_____________ Maturity Date 03/28/2014_____ Loan Amount $ 5,000,000.00___ Renewal Of _________________

NON-RECOURSE LOAN PARTICIPATION AGREEMENT
Loan Participation Agreement • March 25th, 2014 • Utg Inc • Life insurance • Kentucky
Agreement pursuant to Item 601(b)(4)(iii)(A) of Regulation S-K
Utg Inc • March 25th, 2014 • Life insurance

The registrant hereby undertakes and agrees to furnish to the Securities and Exchange Commission upon request a copy of any instrument relating to, or defining the rights of the holders, of, any long-term debt of the registrant and/or its subsidiaries, a copy of which has not been filed in reliance upon Item 601(b)(4)(iii)(A) of Regulation S-K or which, although previously filed, shall have become stale in the sense of Item 10(d) of Regulation S-K or which shall have been disposed of by the Commission pursuant to its Record Control Schedule. This Agreement and undertaking is intended to be effective with respect to registrant's long-term debt instruments whether securities have been issued thereunder or are yet to be issued thereunder.

NON-RECOURSE LOAN PARTICIPATION AGREEMENT
Loan Participation Agreement • March 25th, 2014 • Utg Inc • Life insurance • Kentucky
AGREEMENT REGARDING MORTGAGE LOANS BY AND BETWEEN FIRST SOUTHERN NATIONAL BANK,
Agreement Regarding Mortgage Loans • March 25th, 2014 • Utg Inc • Life insurance • Ohio
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