0001000191 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member vip:RiskOfLossMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member vip:NotShortTermInvestmentRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member vip:InvestmentOptionsRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member vip:InsuranceCompanyRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:ContractValueEqualsorExceeds50000Member ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 vip:StandardDeathBenefitMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:ROPPDeathBenefitMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:MAVDeathBenefitMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:FiveYearMAVDeathBenefitMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:BenefitProtectorDeathBenefitMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:EnhancedLegacyBenefitMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:DollarCostAveragingMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:SpecialDollarCostAveragingSDCAMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:AssetRebalancingMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:IncomeGuideMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:AutomatedPartialSurrendersSystematicWithdrawalsMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:StandardDeathBenefitavailableforownersage79andyoungerMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:StandardDeathBenefitavailableforownersage80andyoungerMember ameripriservs:C000219636Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ABVPSDynamicAssetAllocationPortfolioClassBMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ABVPSLargeCapGrowthPortfolioClassBMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ABVPSRelativeValuePortfolioClassBMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ABVPSSustainableGlobalThematicPortfolioClassBMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:AllspringVTOpportunityFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:AllspringVTSmallCapGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ALPSAlerianEnergyInfrastructurePortfolioClassIIIMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:BlackRockAdvantageSMIDCapVIFundClassIIIMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:BlackRockGlobalAllocationVIFundClassIIIMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:BNYMellonSustainableUSEquityPortfolioIncServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CalvertVPSRIBalancedPortfolioClassFMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioBalancedFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioBalancedFundClass3Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioCommodityStrategyFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioContrarianCoreFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioDisciplinedCoreFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioDividendOpportunityFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioEmergingMarketsBondFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioEmergingMarketsFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioGlobalStrategicIncomeFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioGovernmentMoneyMarketFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioHighYieldBondFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioIncomeOpportunitiesFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioIntermediateBondFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioLargeCapGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioLargeCapIndexFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioLargeCapIndexFundClass3Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioLimitedDurationCreditFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioLongGovernmentCreditBondFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioOverseasCoreFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioSelectLargeCapEquityFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioSelectLargeCapValueFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioSelectMidCapGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioSelectMidCapValueFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioSelectSmallCapValueFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioSeligmanGlobalTechnologyFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioSmallCapValueFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioStrategicIncomeFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ColumbiaVariablePortfolioUSGovernmentMortgageFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CTIVPAmericanCenturyDiversifiedBondFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CTIVPBlackRockGlobalInflationProtectedSecuritiesFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CTIVPCenterSquareRealEstateFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CTIVPMFSValueFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CTIVPPrincipalBlueChipGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CTIVPTRowePriceLargeCapValueFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CTIVPTCWCorePlusBondFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CTIVPVictorySycamoreEstablishedValueFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CTIVPWestfieldMidCapGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CTIVPWestfieldSelectLargeCapGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CVTEAFEInternationalIndexPortfolioClassFMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CVTNasdaq100IndexPortfolioClassFMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CVTRussell2000SmallCapIndexPortfolioClassFMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:DWSAlternativeAssetAllocationVIPClassBMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:EatonVanceVTFloatingRateIncomeFundInitialClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FidelityVIPContrafundPortfolioServiceClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FidelityVIPEmergingMarketsPortfolioServiceClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FidelityVIPEnergyPortfolioServiceClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FidelityVIPGrowthIncomePortfolioServiceClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FidelityVIPGrowthOpportunitiesPortfolioServiceClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FidelityVIPInternationalCapitalAppreciationPortfolioServiceClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FidelityVIPInvestmentGradeBondPortfolioServiceClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FidelityVIPMidCapPortfolioServiceClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FidelityVIPStrategicIncomePortfolioServiceClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FranklinIncomeVIPFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FranklinIncomeVIPFundClass4Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FranklinMutualGlobalDiscoveryVIPFundClass4Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FranklinMutualSharesVIPFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FranklinSmallCapValueVIPFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FranklinSmallCapValueVIPFundClass4Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:GoldmanSachsVITMultiStrategyAlternativesPortfolioAdvisorSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:GoldmanSachsVITMultiStrategyAlternativesPortfolioServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:GoldmanSachsVITSmallCapEquityInsightsFundServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:InvescoVIBalancedRiskAllocationFundSeriesIISharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:InvescoVIComstockFundSeriesIISharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:InvescoVICorePlusBondFundSeriesIISharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:InvescoVIGlobalFundSeriesIISharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:InvescoVIGlobalStrategicIncomeFundSeriesIISharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:InvescoVIMainStreetSmallCapFundSeriesIISharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:InvescoVITechnologyFundSeriesIISharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:JanusHendersonBalancedPortfolioServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:JanusHendersonFlexibleBondPortfolioServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:JanusHendersonFortyPortfolioServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:JanusHendersonGlobalTechnologyandInnovationPortfolioServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:JanusHendersonOverseasPortfolioServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:JanusHendersonResearchPortfolioServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:LazardRetirementEmergingMarketsEquityPortfolioServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:LazardRetirementGlobalDynamicMultiAssetPortfolioServiceSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:LordAbbettSeriesFundBondDebenturePortfolioClassVCMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:LordAbbettSeriesFundShortDurationIncomePortfolioClassVCMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:LVIPAmericanCenturyInternationalFundServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:LVIPAmericanCenturyMidCapValueFundServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:LVIPAmericanCenturyValueFundServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:LVIPJPMorganUSEquityFundServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:MacquarieVIPAssetStrategySeriesServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:MacquarieVIPFundforIncomeSeriesServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:MacquarieVIPInternationalCoreEquityServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:MFSGlobalRealEstatePortfolioServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:MFSInternationalGrowthPortfolioServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:MFSResearchInternationalPortfolioServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:MFSUtilitiesSeriesServiceClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:MorganStanleyVIFDiscoveryPortfolioClassIISharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:NeubergerBermanAMTSustainableEquityPortfolioClassSMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:PIMCOVITAllAssetPortfolioAdvisorClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:PIMCOVITGlobalManagedAssetAllocationPortfolioAdvisorClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:PIMCOVITTotalReturnPortfolioAdvisorClassMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:PutnamVTGlobalHealthCareFundClassIBSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:PutnamVTInternationalValueFundClassIBSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:PutnamVTLargeCapValueFundClassIBSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:PutnamVTSustainableFutureFundClassIBSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:PutnamVTSustainableLeadersFundClassIBSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:TempletonGlobalBondVIPFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VanEckVIPGlobalGoldFundClassSSharesMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioAggressivePortfolioClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioConservativePortfolioClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioManagedRiskFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioManagedRiskUSFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioManagedVolatilityConservativeFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioManagedVolatilityConservativeGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioManagedVolatilityGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioManagedVolatilityModerateGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioModeratePortfolioClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioModeratelyAggressivePortfolioClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioModeratelyConservativePortfolioClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioPartnersCoreBondFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioPartnersCoreEquityFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioPartnersInternationalCoreEquityFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioPartnersInternationalGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioPartnersInternationalValueFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioPartnersSmallCapGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioPartnersSmallCapValueFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioUSFlexibleConservativeGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioUSFlexibleGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:VariablePortfolioUSFlexibleModerateGrowthFundClass2Member 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:WangerAcornMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:WangerInternationalMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:WesternAssetVariableGlobalHighYieldBondPortfolioClassIIMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ShortTermInvestmentRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:WithdrawalRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:SubaccountRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:SelectionRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:InvestmentRestrictionsRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:ManagedVolatilityFundRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:PurchasePaymentRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:FinancialStrengthandClaimsPayingAbilityRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:CybersecurityRiskMember 2024-04-23 2024-04-23 0001000191 ameripriservs:C000219636Member ameripriservs:PotentialAdverseTaxConsequencesMember 2024-04-23 2024-04-23 pure iso4217:USD utr:Y 0001000191 false N-4 2024-04-23 N-4 RIVERSOURCE VARIABLE ACCOUNT 10 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:38.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">FEES AND EXPENSES</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;background-color:#E5E5E5;border-right:0.5pt solid #000000;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Location in </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Statutory </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Prospectus</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:48.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges for early </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The Contract does not have a surrender charge.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Surender Charged </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">for Fixed Annuity </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Payout Plans</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:26.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">We do not assess any transaction charges.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:48.75pt;"> <td rowspan="8" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Expenses (annual </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The table below describes the current fees and expenses that you may pay </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">each year, depending on the options you choose. Please refer to your </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contract specifications page for information about the specific fees you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">pay each year based on the options you have elected.</span></div></div></td> <td rowspan="8" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fee Table and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Examples</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Expenses – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Product Charges</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Appendix A: </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">FundsAvailable </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Under the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div></div></td></tr> <tr style="height:15.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Annual Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div></div></td></tr> <tr style="height:26.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Base Contract (varies by size of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contract Value)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">0.96</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">0.96</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td></tr> <tr style="height:26.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund options</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Funds fees and expenses)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">0.38</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">2.38</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td></tr> <tr style="height:48.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Optional benefits available for an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">additional charge</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(for a single optional benefit, if </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">elected)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">0.10</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">1.00</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td></tr> <tr style="height:131.75pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(1) As a percentage of average daily contract value in the variable account. Includes the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Mortality and Expense Fee and contract administrative charge.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(2) </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">As a percentage of Fund net assets.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(3) </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">As a percentage of </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Contract Value or the greater of Contract Value or applicable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">guaranteed benefit amount (varies by optional benefit). The Minimum is a percentage of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">average daily Contract value in the Variable Account. The Maximum is a percentage of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">greater of Contract value or guaranteed death benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Because your Contract is customizable, the choices you make affect how </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">much you will pay. To help you understand the cost of owning your Contract, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the following table shows the lowest and highest cost you could pay each </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">year, based on current charges.</span></div></div></td></tr> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.00pt;">Lowest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">$</span><span style="font-family:Arial;font-size:9.30pt;">1,225</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.00pt;">Highest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">$</span><span style="font-family:Arial;font-size:9.30pt;">2,537</span></div></div></td></tr> <tr style="height:132.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Investment of $100,000</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Least expensive combination of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">Contract features and Fund fees </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">and expenses</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No optional benefits</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No sales charge</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No additional purchase payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Investment of $100,000</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Most expensive combination of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">Contract features, optional </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">benefits and Fund fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">expenses</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No sales charge</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No additional purchase payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:48.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges for early </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The Contract does not have a surrender charge.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Surender Charged </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">for Fixed Annuity </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Payout Plans</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:26.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">We do not assess any transaction charges.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:48.75pt;"> <td rowspan="8" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Expenses (annual </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The table below describes the current fees and expenses that you may pay </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">each year, depending on the options you choose. Please refer to your </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contract specifications page for information about the specific fees you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">pay each year based on the options you have elected.</span></div></div></td> <td rowspan="8" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fee Table and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Examples</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Expenses – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Product Charges</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Appendix A: </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">FundsAvailable </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Under the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div></div></td></tr> <tr style="height:15.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Annual Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div></div></td></tr> <tr style="height:26.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Base Contract (varies by size of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contract Value)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">0.96</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">0.96</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td></tr> <tr style="height:26.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund options</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Funds fees and expenses)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">0.38</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">2.38</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td></tr> <tr style="height:48.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Optional benefits available for an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">additional charge</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(for a single optional benefit, if </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">elected)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">0.10</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">1.00</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td></tr> <tr style="height:131.75pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(1) As a percentage of average daily contract value in the variable account. Includes the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Mortality and Expense Fee and contract administrative charge.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(2) </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">As a percentage of Fund net assets.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(3) </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">As a percentage of </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Contract Value or the greater of Contract Value or applicable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">guaranteed benefit amount (varies by optional benefit). The Minimum is a percentage of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">average daily Contract value in the Variable Account. The Maximum is a percentage of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">greater of Contract value or guaranteed death benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Because your Contract is customizable, the choices you make affect how </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">much you will pay. To help you understand the cost of owning your Contract, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the following table shows the lowest and highest cost you could pay each </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">year, based on current charges.</span></div></div></td></tr> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.00pt;">Lowest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">$</span><span style="font-family:Arial;font-size:9.30pt;">1,225</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.00pt;">Highest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">$</span><span style="font-family:Arial;font-size:9.30pt;">2,537</span></div></div></td></tr> <tr style="height:132.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Investment of $100,000</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Least expensive combination of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">Contract features and Fund fees </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">and expenses</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No optional benefits</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No sales charge</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No additional purchase payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Investment of $100,000</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Most expensive combination of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">Contract features, optional </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">benefits and Fund fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">expenses</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No sales charge</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No additional purchase payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td></tr></table> 0.0096 0.0096 0.0038 0.0238 0.0010 0.0100 <span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(1) As a percentage of average daily contract value in the variable account. Includes the </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Mortality and Expense Fee and contract administrative charge.</span> <span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">As a percentage of Fund net assets.</span> <span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">As a percentage of </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Contract Value or the greater of Contract Value or applicable </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">guaranteed benefit amount (varies by optional benefit). The Minimum is a percentage of </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">average daily Contract value in the Variable Account. The Maximum is a percentage of the </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">greater of Contract value or guaranteed death benefit.</span> 1225 2537 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:15.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">RISKS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;background-color:#E5E5E5;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12.75pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Risk of Loss</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">You can lose money by investing in this Contract including loss of principal.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Principal Risks</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:65.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Not a Short-Term </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Investment</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">The Contract is not a short-term investment and is not appropriate for an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">investor who needs ready access to cash.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">The benefits of tax deferral and long-term income mean the contract is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">generally more beneficial to investors with a long term investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">horizon.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Principal Risks</span></div></div></td></tr> <tr style="height:110.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Risks Associated </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">with Investment </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Options</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">An investment in the Contract is subject to the risk of poor investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">performance and can vary depending on the performance of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">investment options available under the Contract.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Each investment option (including under any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fixed Account investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">options) investment options has its own unique risks.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You should review the investment options before making any investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">decisions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Principal Risks</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The Variable </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Account and the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Funds</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The Guarantee </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Period Accounts </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(GPAs)</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The Fixed Account</span></div></div></td></tr> <tr style="height:81.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Company Risks</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to us. Any </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">obligations (including under the Fixed Account) or guarantees and benefits </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of the Contract that exceed the assets of the Separate Account are subject </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to our claims-paying ability. If we experience financial distress, we may not </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">be able to meet our obligations to you. More information about RiverSource </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Life, including our financial strength ratings, is available by contacting us at </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">1-800-862-7919.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Principal Risks</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The General </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Account</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">You can lose money by investing in this Contract including loss of principal.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">The Contract is not a short-term investment and is not appropriate for an </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">investor who needs ready access to cash.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">The benefits of tax deferral and long-term income mean the contract is </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">generally more beneficial to investors with a long term investment </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">horizon.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">An investment in the Contract is subject to the risk of poor investment </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">performance and can vary depending on the performance of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">investment options available under the Contract.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Each investment option (including under any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fixed Account investment </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">options) investment options has its own unique risks.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You should review the investment options before making any investment </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">decisions.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to us. Any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">obligations (including under the Fixed Account) or guarantees and benefits </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of the Contract that exceed the assets of the Separate Account are subject </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to our claims-paying ability. If we experience financial distress, we may not </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">be able to meet our obligations to you. More information about RiverSource </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Life, including our financial strength ratings, is available by contacting us at </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">1-800-862-7919.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Subject to certain restrictions, you may transfer your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contract value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">among the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">subaccounts without charge at any time before the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">annuitization start date</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, and once per contract year after the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">annuitization start date</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Certain transfers out of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">GPAs will be subject to an MVA.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">GPAs</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(available for applications dated prior to 12/5/2022) are subject to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">certain restrictions</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">We reserve the right to modify, restrict or suspend your transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">privileges if we determine that your transfer activity constitutes market </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">timing.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">We reserve the right to add, remove or substitute </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Funds as investment </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">options. We also reserve the right, upon notification to you, to close or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">restrict any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Funds.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Certain optional benefits limit or restrict the investment options you may </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">select under the Contract. If you later decide you do not want to invest in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">those approved investment options, you must request a full surrender.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">We may stop offering an optional benefit at any time for new sales.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Consult with a tax advisor to determine the tax implications of an </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">investment in and payments and withdrawals received under this </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">Contract.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">If you purchase the Contract through a tax-qualified plan or individual </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">retirement account, you do not get any additional tax benefit.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Earnings under your contract are taxed at ordinary income tax rates </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">generally when withdrawn. You may have to pay a tax penalty if you take </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9.0pt;">a withdrawal before age 59½.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Your investment professional may receive compensation for selling this </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contract to you, in the form of commissions, additional cash benefits (e.g., </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">bonuses), and non-cash compensation. This financial incentive may </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">influence your investment professional to recommend this Contract over </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">another investment for which the investment professional is not </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">compensated or compensated less.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">If you already own an annuity or insurance Contract, some investment </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">professionals may have a financial incentive to offer you a new Contract in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">place of the one you own. You should only exchange a Contract you already </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">own if you determine, after comparing the features, fees, and risks of both </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contracts, that it is better for you to purchase the new Contract rather than </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">continue to own your existing Contract.</span> <span style="color:#000000;font-family:Arial;font-size:16.74pt;">Fee Table and Examples</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The following tables describe the fees and expenses that you will pay when buying, owning, surrendering, or making withdrawals from the Contract. Please refer to your Contract Data page for information about the specific fees you will pay each year based on the options you have elected.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract. State premium taxes also may be deducted.</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:2.0pt;position:relative;text-align:left;top:1pt;width:528pt;"/><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Surrender Charge for Fixed Annuity Payout Plans</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">(As a percentage of the present value of the remaining guaranteed payouts.)</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:13.75pt;"> <td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Number of Completed Years Since Annuitization*</span></div></div></td> <td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Surrender charge percentage</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">1</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">5%</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">2</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">4</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">3</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">3</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">4</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">2</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">5</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">1</span></div></div></td></tr> <tr style="height:9.25pt;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">6 and thereafter</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">0</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:7.44pt;">*We do not permit surrenders in the first year after annuitization.</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:8.3700pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The next table describes the fees and expenses that you will pay </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">each year </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">during the time that you own the contract (not including funds fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:2.0pt;position:relative;text-align:left;top:1pt;width:528pt;"/><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-decoration:underline;">Administrative Expenses</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0%;">(assessed annually and upon full surrender)</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:14.75pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:406.55pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Annual contract administrative charge*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:66.38pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">50</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:55.07pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Current:</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">50</span></div></div></td></tr> <tr style="height:9.25pt;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:406.55pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Annual contract administrative charge if your contract value equals or exceeds $50,000</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:66.38pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">20</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:55.07pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Current:</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">0</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:7.44pt;">* Upon full surrender of the contract, we will assess this charge even if your contract value equals or exceeds $50,000.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-decoration:underline;">Base Contract Expenses</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;text-decoration:underline;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">(As a percentage of average daily contract value in the variable account)</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:auto;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:411.94pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Standard Death Benefit</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:116.06pt;"> <div style="line-height:7.4400pt;margin-left:6pt;margin-right:12pt;text-align:right;width:86.06pt;"> <div style="display:flex;margin:auto;width:88.06pt;"> <div style="display:flex;white-space:nowrap;width:88.06pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;width:88.06pt;">Maximum/Current:</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">0.95</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">Base Contract Expenses are called Mortality and Expense Risk Fees in the Contract and elsewhere in this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-decoration:underline;">Optional Benefit Expenses</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Optional Death Benefits</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may select one of the following optional death benefit riders for an additional fee.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:13.75pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:411.94pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">ROPP Death Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;white-space:nowrap;width:116.06pt;"> <div style="line-height:10.4400pt;margin-left:6pt;margin-right:12pt;text-align:right;width:86.06pt;"> <div style="display:flex;margin:auto;width:88.06pt;"> <div style="display:flex;white-space:nowrap;width:88.06pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;width:88.06pt;">Maximum/Current:</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">0.35</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">%</span></div></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:411.94pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">MAV Death Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;white-space:nowrap;width:116.06pt;"> <div style="line-height:10.4400pt;margin-left:6pt;margin-right:12pt;text-align:right;width:86.06pt;"> <div style="display:flex;margin:auto;width:88.06pt;"> <div style="display:flex;white-space:nowrap;width:88.06pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;width:88.06pt;">Maximum/Current:</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">0.25</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">%</span></div></div></div></td></tr> <tr style="height:9.25pt;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:411.94pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">5-year MAV Death Benefit</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;white-space:nowrap;width:116.06pt;"> <div style="line-height:7.4400pt;margin-left:6pt;margin-right:12pt;text-align:right;width:86.06pt;"> <div style="display:flex;margin:auto;width:88.06pt;"> <div style="display:flex;white-space:nowrap;width:88.06pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;width:88.06pt;">Maximum/Current:</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">0.10</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you choose one of the above optional death benefits, we will add the rider fee to your mortality and expense risk fee.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:auto;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:390.55pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Benefit Protector Death Benefit rider fee</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:74.38pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:7.4400pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">0.25</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:63.07pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Current:</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:7.4400pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">0.25</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:7.44pt;">(As a percentage of contract value charged annually on the contract anniversary.)</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:auto;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:385.76pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Enhanced Legacy</span><span style="font-family:Arial;font-size:5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">SM</span><span style="font-family:Arial;font-size:7.44pt;font-style:italic;font-weight:bold;line-height:7.4400pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Benefit fee</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:74.38pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="font-family:Arial;font-size:7.44pt;line-height:7.4400pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">1.75</span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:67.87pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Current*:</span><span style="font-family:Arial;font-size:7.44pt;line-height:7.4400pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">1.00</span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:7.44pt;">(Charged annually on the contract anniversary. Prior to age 86, the charge is calculated by multiplying the annual rider fee by the greater of the ROPP value, Accumulation Death Benefit (ADB) value (after any increase is added) or MAV or the contract value. On or following age 86, the charge is calculated by multiplying the annual rider fee by the greater of the ROPP value, ADB value (after any increase is added) or MAV.)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:8.3700pt;"> </span><span style="font-family:Arial;font-size:7.44pt;">*For contracts with application dates before 10/16/2023, the Current fee is 0.95%.</span><span style="font-family:Arial;font-size:7.44pt;line-height:8.3700pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The next table shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the contract. A complete list of funds available under the contract, including their annual expenses, may be found in the Appendix A</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">.</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:3pt;text-align:left;top:1pt;width:528pt;"/><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Annual Fund Expenses</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(1)</span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:11.75pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:379.51pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Total Annual Fund Expenses</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:80.63pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:18pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Minimum(%)</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:67.86pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Maximum(%)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:379.51pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(expenses deducted from the Fund assets, including management fees, distribution and/or service </span></div> <div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(12b-1) fees and other expenses)</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:80.63pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:18pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">0.38</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:67.86pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">2.38</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">Total annual Fund operating expenses are deducted from amounts that are allocated to the Fund. They include management fees and other expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service providers, including us and our affiliates, for administrative and contractowner services provided on behalf of the Fund. The amount of these payments will vary by Fund and may be significant. See “The Variable Account and the Funds” for additional information, including potential conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in the sale of Fund shares. Because 12b-1 fees are paid out of Fund assets on an ongoing basis, you may pay more if you select Subaccounts investing in Funds that have adopted 12b-1 plans than if you select Subaccounts investing in Funds that have not adopted 12b-1 plans. For a more complete description of each Fund’s fees and expenses and important disclosure regarding payments the Fund and/or its affiliates make, please review the Fund’s prospectus and SAI.</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:2.0pt;position:relative;text-align:left;top:1pt;width:528pt;"/><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Surrender Charge for Fixed Annuity Payout Plans</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">(As a percentage of the present value of the remaining guaranteed payouts.)</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:13.75pt;"> <td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Number of Completed Years Since Annuitization*</span></div></div></td> <td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Surrender charge percentage</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">1</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">5%</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">2</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">4</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">3</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">3</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">4</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">2</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">5</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">1</span></div></div></td></tr> <tr style="height:9.25pt;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:417.24pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">6 and thereafter</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:110.76pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">0</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:7.44pt;">*We do not permit surrenders in the first year after annuitization.</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:8.3700pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The next table describes the fees and expenses that you will pay </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">each year </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">during the time that you own the contract (not including funds fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:2.0pt;position:relative;text-align:left;top:1pt;width:528pt;"/><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-decoration:underline;">Administrative Expenses</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0%;">(assessed annually and upon full surrender)</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:14.75pt;"> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:406.55pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Annual contract administrative charge*</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:66.38pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">50</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:55.07pt;"> <div style="line-height:10.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Current:</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">50</span></div></div></td></tr> <tr style="height:9.25pt;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:406.55pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Annual contract administrative charge if your contract value equals or exceeds $50,000</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:66.38pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">20</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:55.07pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Current:</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">0</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:7.44pt;">* Upon full surrender of the contract, we will assess this charge even if your contract value equals or exceeds $50,000.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-decoration:underline;">Base Contract Expenses</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;text-decoration:underline;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">(As a percentage of average daily contract value in the variable account)</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:auto;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:411.94pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Standard Death Benefit</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:116.06pt;"> <div style="line-height:7.4400pt;margin-left:6pt;margin-right:12pt;text-align:right;width:86.06pt;"> <div style="display:flex;margin:auto;width:88.06pt;"> <div style="display:flex;white-space:nowrap;width:88.06pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;width:88.06pt;">Maximum/Current:</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">0.95</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">Base Contract Expenses are called Mortality and Expense Risk Fees in the Contract and elsewhere in this prospectus.</span> 50 50 20 0 <span style="color:#000000;font-family:Arial;font-size:7.44pt;">* Upon full surrender of the contract, we will assess this charge even if your contract value equals or exceeds $50,000.</span> 0.0095 <span style="color:#000000;font-family:Arial;font-size:7.44pt;">Base Contract Expenses are called Mortality and Expense Risk Fees in the Contract and elsewhere in this prospectus.</span> 0.0035 0.0025 0.0010 0.0025 0.0025 0.0175 0.0100 <hr style="background-color:#000000;height:0.5pt;margin-bottom:1pt;margin-left:0%;margin-top:3pt;text-align:left;top:1pt;width:528pt;"/><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Annual Fund Expenses</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(1)</span> <table cellpadding="0" cellspacing="0" style="border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt;"> <tr style="height:11.75pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:379.51pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Total Annual Fund Expenses</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:80.63pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:18pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Minimum(%)</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:67.86pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Maximum(%)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:379.51pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(expenses deducted from the Fund assets, including management fees, distribution and/or service </span></div> <div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(12b-1) fees and other expenses)</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:80.63pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:18pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">0.38</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:67.86pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">2.38</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">Total annual Fund operating expenses are deducted from amounts that are allocated to the Fund. They include management fees and other expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service providers, including us and our affiliates, for administrative and contractowner services provided on behalf of the Fund. The amount of these payments will vary by Fund and may be significant. See “The Variable Account and the Funds” for additional information, including potential conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in the sale of Fund shares. Because 12b-1 fees are paid out of Fund assets on an ongoing basis, you may pay more if you select Subaccounts investing in Funds that have adopted 12b-1 plans than if you select Subaccounts investing in Funds that have not adopted 12b-1 plans. For a more complete description of each Fund’s fees and expenses and important disclosure regarding payments the Fund and/or its affiliates make, please review the Fund’s prospectus and SAI.</span> <span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(expenses deducted from the Fund assets, including management fees, distribution and/or service </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(12b-1) fees and other expenses)</span> 0.0038 0.0238 <span style="color:#000000;font-family:Arial;font-size:7.44pt;">Total annual Fund operating expenses are deducted from amounts that are allocated to the Fund. They include management fees and other expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service providers, including us and our affiliates, for administrative and contractowner services provided on behalf of the Fund. The amount of these payments will vary by Fund and may be significant. See “The Variable Account and the Funds” for additional information, including potential conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in the sale of Fund shares. Because 12b-1 fees are paid out of Fund assets on an ongoing basis, you may pay more if you select Subaccounts investing in Funds that have adopted 12b-1 plans than if you select Subaccounts investing in Funds that have not adopted 12b-1 plans. For a more complete description of each Fund’s fees and expenses and important disclosure regarding payments the Fund and/or its affiliates make, please review the Fund’s prospectus and SAI.</span> 3078 9314 15799 33164 3028 3028 9264 9264 15749 15749 33114 33114 1413 4290 7380 16144 1363 1363 4240 4240 7330 7330 16094 16094 <span style="color:#000000;font-family:Arial;font-size:16.74pt;">Principal Risks of Investing in the Contract</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Risk of Loss. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Variable annuities involve risks, including possible loss of principal. Your losses could be significant. This contract is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This contract is not federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Short-Term Investment Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">This contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. The benefits of tax deferral and long-term income mean that this contract is more beneficial to investors with a long-term investment horizon.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Withdrawal Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You should carefully consider the risks associated with withdrawals under the contract. If you make a withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% IRS penalty tax. A withdrawal may reduce the value of your standard and optional benefits. A total withdrawal (surrender) will result in the termination of your contract.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Subaccount Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Amounts that you invest in the subaccounts are subject to the risk of poor investment performance. You assume the investment risk. Generally, if the subaccounts that you select make money, your contract value goes up, and if they lose money, your contract value goes down. Each subaccount’s performance depends on the performance of its underlying Fund. Each underlying Fund has its own investment risks, and you are exposed to the Fund’s investment risks when you invest in a subaccount.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You are responsible for selecting subaccounts that are appropriate for you based on your own individual circumstances, investment goals, financial situation, and risk tolerance. For risks associated with any Fixed Account options, see Financial Strength and Claims-Paying Ability Risk below.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Selection Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> The optional benefits under the contract were designed for different financial goals and to protect against different financial risks. There is a risk that you may not choose, or may not have chosen, the benefit or benefits (if any) that are best suited for you based on your present or future needs and circumstances, and the benefits that are more suited for you (if any) may not be elected after your contract is issued. In addition, if you elected an optional benefit and if the contingencies upon which the benefit depend never occur, you will have paid for an optional benefit that did not provide a financial benefit. There is also a risk that any financial return of an optional benefit, if any, will ultimately be less than the amount you paid for the benefit.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Investment Restrictions Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Certain optional benefits limit the investment options that are available to you and limit your ability to take certain actions under the contract. These investment requirements are designed to reduce our risk that we will have to make payments to you from our own assets. In turn, they may also limit the potential growth of your contract value and the potential growth of your guaranteed benefits. This may conflict with your personal investment objectives.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Managed Volatility Fund Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Portfolio Stabilizer funds are managed volatility funds that employ a strategy designed to reduce overall volatility and downside risk. These risk management techniques help us manage our financial risks associated with the contract’s guarantees, like death benefits, because they reduce the incidence of extreme outcomes including the probability of large gains or losses. However, these strategies can also limit your participation in rising equity markets, which may limit the potential growth of your contract value and the potential growth of your guaranteed benefits and may therefore conflict with your personal investment objectives. Certain Funds advised by our affiliate, Columbia Management, employ such risk management strategies. If you elect certain optional benefits under the contract, we require you to invest in these funds, which may limit your ability to increase your benefit. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility funds.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Purchase Payment Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Your ability to make subsequent purchase payments is subject to restrictions. We reserve the right to limit or restrict purchase payments in certain contract years or based on age, and in conjunction with certain optional death benefit riders with advance notice. Also, our prior approval may be required before accepting certain purchase payments. We reserve the right to limit certain annuity features (for example, investment options) if prior approval is required. There is no guarantee that you will always be permitted to make purchase payments.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Financial Strength and Claims-Paying Ability Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">All guarantees under the contract that are paid from our general account (including under any Fixed Account option)  are subject to our financial strength and claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Cybersecurity Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Increasingly, businesses are dependent on the continuity, security, and effective operation of various technology systems. The nature of our business depends on the continued effective operation of our systems and those of our business partners.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks may include the following:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the corruption or destruction of data;</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">theft, misuse or dissemination of data to the public, including your information we hold; and</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">These attacks and their consequences can negatively impact your contract, your privacy, your ability to conduct transactions on your contract, or your ability to receive timely service from us. The risk of cyberattacks may be higher during periods of geopolitical turmoil. There can be no assurance that we, the underlying funds in your contract, or our other business partners will avoid losses affecting your contract due to any successful cyber-attacks or information security breaches.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Potential Adverse Tax Consequences. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Tax considerations vary by individual facts and circumstances. Tax rules may change without notice. Generally, earnings under your contract are taxed at ordinary income tax rates when withdrawn. You may have to pay a tax penalty if you take a withdrawal before age 59 ½. If you purchase a qualified annuity to fund a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral beyond what is provided in that retirement plan. Consult a tax professional.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Risk of Loss. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Variable annuities involve risks, including possible loss of principal. Your losses could be significant. This contract is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This contract is not federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Short-Term Investment Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">This contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. The benefits of tax deferral and long-term income mean that this contract is more beneficial to investors with a long-term investment horizon.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Withdrawal Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You should carefully consider the risks associated with withdrawals under the contract. If you make a withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% IRS penalty tax. A withdrawal may reduce the value of your standard and optional benefits. A total withdrawal (surrender) will result in the termination of your contract.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Subaccount Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Amounts that you invest in the subaccounts are subject to the risk of poor investment performance. You assume the investment risk. Generally, if the subaccounts that you select make money, your contract value goes up, and if they lose money, your contract value goes down. Each subaccount’s performance depends on the performance of its underlying Fund. Each underlying Fund has its own investment risks, and you are exposed to the Fund’s investment risks when you invest in a subaccount.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You are responsible for selecting subaccounts that are appropriate for you based on your own individual circumstances, investment goals, financial situation, and risk tolerance. For risks associated with any Fixed Account options, see Financial Strength and Claims-Paying Ability Risk below.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Selection Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> The optional benefits under the contract were designed for different financial goals and to protect against different financial risks. There is a risk that you may not choose, or may not have chosen, the benefit or benefits (if any) that are best suited for you based on your present or future needs and circumstances, and the benefits that are more suited for you (if any) may not be elected after your contract is issued. In addition, if you elected an optional benefit and if the contingencies upon which the benefit depend never occur, you will have paid for an optional benefit that did not provide a financial benefit. There is also a risk that any financial return of an optional benefit, if any, will ultimately be less than the amount you paid for the benefit.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Investment Restrictions Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Certain optional benefits limit the investment options that are available to you and limit your ability to take certain actions under the contract. These investment requirements are designed to reduce our risk that we will have to make payments to you from our own assets. In turn, they may also limit the potential growth of your contract value and the potential growth of your guaranteed benefits. This may conflict with your personal investment objectives.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Managed Volatility Fund Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Portfolio Stabilizer funds are managed volatility funds that employ a strategy designed to reduce overall volatility and downside risk. These risk management techniques help us manage our financial risks associated with the contract’s guarantees, like death benefits, because they reduce the incidence of extreme outcomes including the probability of large gains or losses. However, these strategies can also limit your participation in rising equity markets, which may limit the potential growth of your contract value and the potential growth of your guaranteed benefits and may therefore conflict with your personal investment objectives. Certain Funds advised by our affiliate, Columbia Management, employ such risk management strategies. If you elect certain optional benefits under the contract, we require you to invest in these funds, which may limit your ability to increase your benefit. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility funds.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Purchase Payment Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Your ability to make subsequent purchase payments is subject to restrictions. We reserve the right to limit or restrict purchase payments in certain contract years or based on age, and in conjunction with certain optional death benefit riders with advance notice. Also, our prior approval may be required before accepting certain purchase payments. We reserve the right to limit certain annuity features (for example, investment options) if prior approval is required. There is no guarantee that you will always be permitted to make purchase payments.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Financial Strength and Claims-Paying Ability Risk. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">All guarantees under the contract that are paid from our general account (including under any Fixed Account option)  are subject to our financial strength and claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Cybersecurity Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Increasingly, businesses are dependent on the continuity, security, and effective operation of various technology systems. The nature of our business depends on the continued effective operation of our systems and those of our business partners.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks may include the following:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the corruption or destruction of data;</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">theft, misuse or dissemination of data to the public, including your information we hold; and</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">These attacks and their consequences can negatively impact your contract, your privacy, your ability to conduct transactions on your contract, or your ability to receive timely service from us. The risk of cyberattacks may be higher during periods of geopolitical turmoil. There can be no assurance that we, the underlying funds in your contract, or our other business partners will avoid losses affecting your contract due to any successful cyber-attacks or information security breaches.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Potential Adverse Tax Consequences. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Tax considerations vary by individual facts and circumstances. Tax rules may change without notice. Generally, earnings under your contract are taxed at ordinary income tax rates when withdrawn. You may have to pay a tax penalty if you take a withdrawal before age 59 ½. If you purchase a qualified annuity to fund a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral beyond what is provided in that retirement plan. Consult a tax professional.</span> <span style="color:#000000;font-family:Arial;font-size:16.74pt;">Benefits Available Under the Contract</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The following table summarizes information about the benefits available under the Contract.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:143.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span></div></div></td></tr> <tr style="height:15.75pt;"> <td colspan="5" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:528.0pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div></div></td></tr> <tr style="height:37.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Dollar Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows the systematic transfer </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of a specified dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">among the subaccounts</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Transfers not available to or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">from the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">GPAs</span></div></div></td></tr> <tr style="height:178.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Special Dollar </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Cost Averaging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(SDCA)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows the systematic transfer </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">from the Special DCA fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">account to one or more </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">eligible subaccounts</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be funded with a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">purchase payment, not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">transferred </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Only 6-month and 12-month </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">options are available</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Transfers occur on a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">monthly basis and the first </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">monthly transfer occurs one </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">day after we receive your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">purchase payment</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You may not use the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">GPA</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">account or the Special DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">fixed account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> as a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">destination for the Special </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">DCA monthly transfer.</span></div></div></td></tr> <tr style="height:120.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows you to have your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investments periodically </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rebalanced among the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">subaccounts to your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">pre-selected percentages</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You must have $2,000 in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">Contract Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">participate.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">We require 30 days notice </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">for you to change or cancel </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">the program</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You can request rebalancing </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">to be done either quarterly, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">semiannually or annually</span></div></div></td></tr> <tr style="height:225.75pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Income Guide</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides withdrawal monitoring </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and reporting to help you </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">monitor your withdrawals with </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the goal of taking withdrawals </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">over your lifetime</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners must be at </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">least age 50 and no older </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">than age 85</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available only if the servicing </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">broker-dealer on your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">contract is Ameriprise </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">Financial Services, LLC</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available if you are </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">making substantially equal </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">withdrawals</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available if you have </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than one systematic </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">withdrawal program in place</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Systematic withdrawals </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">must be set up according to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">the all the terms of Income </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">Guide</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Your contract cannot have </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">any loans</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:143.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span></div></div></td></tr> <tr style="height:95.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Automated </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Partial </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Surrenders/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows automated partial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders from the contract</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Additional systematic </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">payments are not allowed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">with automated partial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">surrenders</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">May result in income taxes </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">and penalty on all or a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">portion of the amounts </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">surrendered</span></div></div></td></tr> <tr style="height:180.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard Death </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(For </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated prior to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 79 and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">younger. For </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated on or after </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 80 and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">younger.)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides a guaranteed death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit equal to the greater of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Return of Purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Payment Value (ROPP),</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contract Value after any rider</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charges have been deducted, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">or the Full Surrender Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals, and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">such reductions could be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span></div></div></td></tr> <tr style="height:169.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard Death </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(For </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated prior to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 80 and older. </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">For applications </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated on or after </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 81 and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">older.)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides a guaranteed death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit equal to the greater of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Contract Value after any </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rider charges have been </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">deducted, or the Full </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit.</span></div></div></td></tr> <tr style="height:12.75pt;"> <td colspan="5" style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:528.0pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Optional Benefits</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:143.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span></div></div></td></tr> <tr style="height:283.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">ROPP Death </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides a guaranteed death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit equal to the greater of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Return of Purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Payment Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(ROPP),Contract Value after </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">any rider charges have been </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">deducted, or the Full </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.35</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">average daily </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in the variable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.35</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contracts with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">applications dated on or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">after 12/05/2022, available </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">if any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owner is age 81 and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">older</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contracts with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">applications dated prior to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">12/05/2022, available if </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owner is age 80 and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">older</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Enhanced </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:9pt;">Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Benefit</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals, and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">such reductions could be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span></div></div></td></tr> <tr style="height:236.75pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">MAV Death </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Increases the guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit to the highest </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">anniversary contract value, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">adjusted for any partial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.25</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">average daily </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in the variable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.25</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 79 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Enhanced </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:9pt;">Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Benefit</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No longer eligible to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">increase on any contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">anniversary on/after your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">81st birthday.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals. Such </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">reductions could be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:143.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span></div></div></td></tr> <tr style="height:239.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">5-year MAV </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Increases the guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit to the highest </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">5th anniversary contract value, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">adjusted for any partial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.10</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">average daily </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in the variable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.10</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 75 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Enhanced </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:9pt;">Legacy</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Benefit</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No longer eligible to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">increase on any contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">anniversary on/after your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">81st birthday</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals. Such </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">reductions could be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span></div></div></td></tr> <tr style="height:272.75pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit Protector </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides an additional death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit, based on a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">percentage of contract </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">earnings, to help offset </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">expenses after death such as </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">funeral expenses or federal </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and state taxes</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.25</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.25</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 75 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Only available if elected with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">Standard death benefit (for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">owners age 79 or younger), </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">MAV or 5-year MAV</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners under </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">age 70 at issue, the benefit </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">is 40% of earnings</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 70 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and older at issue with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">application dates on or after </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">10/16/2023, the benefit is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">25% of earnings</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 70 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and older at issue with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">application dates prior to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">10/16/2023, the benefit is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">15% of earnings</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:143.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span></div></div></td></tr> <tr style="height:272.75pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Enhanced </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Legacy</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;"> Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Increases the guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit to the greater of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the MAV (i.e. the highest </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">anniversary contract value) </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and ADB value (i.e purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">payments compounded at 5%), </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">adjusted for any partial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">1.75</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">greater of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(On or after </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 86, 1.75% </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">For application </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dates on or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">after </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">10/16/2023</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">1.00</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">For application </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dates prior to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">10/16/2023: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.95%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 75 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with any other </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">death benefit </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rider</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Subject to Investment </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">Allocation restrictions</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No longer eligible to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">increase on any contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">anniversary following your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">81st (for ADB value) or 86</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">(for MAV) birthday</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals. Such </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">reductions could be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:143.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span></div></div></td></tr> <tr style="height:15.75pt;"> <td colspan="5" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:528.0pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div></div></td></tr> <tr style="height:37.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Dollar Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows the systematic transfer </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of a specified dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">among the subaccounts</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Transfers not available to or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">from the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">GPAs</span></div></div></td></tr> <tr style="height:178.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Special Dollar </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Cost Averaging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(SDCA)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows the systematic transfer </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">from the Special DCA fixed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">account to one or more </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">eligible subaccounts</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be funded with a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">purchase payment, not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">transferred </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Only 6-month and 12-month </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">options are available</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Transfers occur on a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">monthly basis and the first </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">monthly transfer occurs one </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">day after we receive your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">purchase payment</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You may not use the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">GPA</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">account or the Special DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">fixed account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> as a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">destination for the Special </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">DCA monthly transfer.</span></div></div></td></tr> <tr style="height:120.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows you to have your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investments periodically </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rebalanced among the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">subaccounts to your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">pre-selected percentages</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You must have $2,000 in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">Contract Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">participate.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">We require 30 days notice </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">for you to change or cancel </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">the program</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You can request rebalancing </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">to be done either quarterly, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">semiannually or annually</span></div></div></td></tr> <tr style="height:225.75pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Income Guide</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides withdrawal monitoring </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and reporting to help you </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">monitor your withdrawals with </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the goal of taking withdrawals </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">over your lifetime</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners must be at </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">least age 50 and no older </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">than age 85</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available only if the servicing </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">broker-dealer on your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">contract is Ameriprise </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">Financial Services, LLC</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available if you are </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">making substantially equal </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">withdrawals</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available if you have </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than one systematic </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">withdrawal program in place</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Systematic withdrawals </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">must be set up according to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">the all the terms of Income </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">Guide</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Your contract cannot have </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">any loans</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:143.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span></div></div></td></tr> <tr style="height:95.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Automated </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Partial </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Surrenders/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows automated partial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders from the contract</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Additional systematic </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">payments are not allowed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">with automated partial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">surrenders</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">May result in income taxes </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">and penalty on all or a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">portion of the amounts </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">surrendered</span></div></div></td></tr> <tr style="height:180.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard Death </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(For </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated prior to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 79 and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">younger. For </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated on or after </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 80 and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">younger.)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides a guaranteed death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit equal to the greater of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Return of Purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Payment Value (ROPP),</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contract Value after any rider</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charges have been deducted, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">or the Full Surrender Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals, and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">such reductions could be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span></div></div></td></tr> <tr style="height:169.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard Death </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(For </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated prior to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 80 and older. </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">For applications </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated on or after </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 81 and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">older.)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides a guaranteed death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit equal to the greater of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Contract Value after any </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rider charges have been </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">deducted, or the Full </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit.</span></div></div></td></tr> <tr style="height:12.75pt;"> <td colspan="5" style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:528.0pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Optional Benefits</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:143.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span></div></div></td></tr> <tr style="height:283.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">ROPP Death </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides a guaranteed death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit equal to the greater of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Return of Purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Payment Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(ROPP),Contract Value after </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">any rider charges have been </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">deducted, or the Full </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.35</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">average daily </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in the variable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.35</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contracts with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">applications dated on or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">after 12/05/2022, available </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">if any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owner is age 81 and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">older</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contracts with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">applications dated prior to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">12/05/2022, available if </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owner is age 80 and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">older</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Enhanced </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:9pt;">Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Benefit</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals, and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">such reductions could be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span></div></div></td></tr> <tr style="height:236.75pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">MAV Death </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Increases the guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit to the highest </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">anniversary contract value, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">adjusted for any partial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.25</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">average daily </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in the variable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.25</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 79 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Enhanced </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:9pt;">Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Benefit</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No longer eligible to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">increase on any contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">anniversary on/after your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">81st birthday.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals. Such </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">reductions could be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant.</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:143.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span></div></div></td></tr> <tr style="height:239.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">5-year MAV </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Increases the guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit to the highest </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">5th anniversary contract value, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">adjusted for any partial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.10</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">average daily </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in the variable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.10</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 75 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Enhanced </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:9pt;">Legacy</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Benefit</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No longer eligible to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">increase on any contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">anniversary on/after your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">81st birthday</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals. Such </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">reductions could be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span></div></div></td></tr> <tr style="height:272.75pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit Protector </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides an additional death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit, based on a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">percentage of contract </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">earnings, to help offset </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">expenses after death such as </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">funeral expenses or federal </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and state taxes</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.25</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.25</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 75 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Only available if elected with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">Standard death benefit (for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">owners age 79 or younger), </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">MAV or 5-year MAV</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners under </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">age 70 at issue, the benefit </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">is 40% of earnings</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 70 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and older at issue with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">application dates on or after </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">10/16/2023, the benefit is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">25% of earnings</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 70 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and older at issue with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">application dates prior to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">10/16/2023, the benefit is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">15% of earnings</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:26.75pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:143.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span></div></div></td></tr> <tr style="height:272.75pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Enhanced </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Legacy</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;"> Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:143.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Increases the guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit to the greater of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the MAV (i.e. the highest </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">anniversary contract value) </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and ADB value (i.e purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">payments compounded at 5%), </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">adjusted for any partial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">1.75</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">greater of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(On or after </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 86, 1.75% </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">For application </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dates on or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">after </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">10/16/2023</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">1.00</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">For application </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dates prior to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">10/16/2023: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.95%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:144pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 75 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with any other </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">death benefit </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rider</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Subject to Investment </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">Allocation restrictions</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No longer eligible to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">increase on any contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">anniversary following your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">81st (for ADB value) or 86</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">(for MAV) birthday</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals. Such </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">reductions could be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Dollar Cost </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Averaging</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows the systematic transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of a specified dollar amount </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">among the subaccounts</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Transfers not available to or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">from the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">GPAs</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Special Dollar </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Cost Averaging </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(SDCA)</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows the systematic transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">from the Special DCA fixed </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">account to one or more </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">eligible subaccounts</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be funded with a </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">purchase payment, not </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">transferred </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Only 6-month and 12-month </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">options are available</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Transfers occur on a </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">monthly basis and the first </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">monthly transfer occurs one </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">day after we receive your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">purchase payment</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You may not use the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">GPA</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">account or the Special DCA </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">fixed account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> as a </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">destination for the Special </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">DCA monthly transfer.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows you to have your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investments periodically </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rebalanced among the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">subaccounts to your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">pre-selected percentages</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You must have $2,000 in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">Contract Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">participate.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">We require 30 days notice </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">for you to change or cancel </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">the program</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">You can request rebalancing </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">to be done either quarterly, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">semiannually or annually</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Income Guide</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides withdrawal monitoring </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and reporting to help you </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">monitor your withdrawals with </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the goal of taking withdrawals </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">over your lifetime</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners must be at </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">least age 50 and no older </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">than age 85</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available only if the servicing </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">broker-dealer on your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">contract is Ameriprise </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">Financial Services, LLC</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available if you are </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">making substantially equal </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">withdrawals</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available if you have </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than one systematic </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">withdrawal program in place</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Systematic withdrawals </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">must be set up according to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">the all the terms of Income </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">Guide</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Your contract cannot have </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">any loans</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Automated </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Partial </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Surrenders/</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Systematic </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allows automated partial </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders from the contract</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Additional systematic </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">payments are not allowed </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">with automated partial </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">surrenders</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">May result in income taxes </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">and penalty on all or a </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">portion of the amounts </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">surrendered</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard Death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(For </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated prior to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 79 and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">younger. For </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated on or after </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 80 and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">younger.)</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides a guaranteed death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit equal to the greater of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Return of Purchase </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Payment Value (ROPP),</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contract Value after any rider</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charges have been deducted, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">or the Full Surrender Value</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals, and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">such reductions could be </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard Death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(For </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated prior to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 80 and older. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">For applications </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">dated on or after </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">12/5/22, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">available for </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">contract owners </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">age 81 and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">older.)</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides a guaranteed death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit equal to the greater of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Contract Value after any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rider charges have been </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">deducted, or the Full </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit.</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">ROPP Death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides a guaranteed death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit equal to the greater of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Return of Purchase </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Payment Value </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(ROPP),Contract Value after </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">any rider charges have been </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">deducted, or the Full </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value</span> 0.0035 0.0035 <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contracts with </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">applications dated on or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">after 12/05/2022, available </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">if any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owner is age 81 and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">older</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contracts with </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">applications dated prior to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">12/05/2022, available if </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owner is age 80 and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">older</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Enhanced </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:9pt;">Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals, and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">such reductions could be </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">MAV Death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit</span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Increases the guaranteed </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit to the highest </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">anniversary contract value, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">adjusted for any partial </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders</span> 0.0025 0.0025 <span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 79 </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Enhanced </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:9pt;">Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No longer eligible to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">increase on any contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">anniversary on/after your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">81st birthday.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals. Such </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">reductions could be </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span> <span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">5-year MAV </span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Increases the guaranteed </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit to the highest </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">5th anniversary contract value, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">adjusted for any partial </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders</span> 0.0010 0.0010 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 75 </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Enhanced </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:9pt;">Legacy</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Benefit</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No longer eligible to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">increase on any contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">anniversary on/after your </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">81st birthday</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals. Such </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">reductions could be </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span> <span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit Protector </span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Provides an additional death </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit, based on a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">percentage of contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">earnings, to help offset </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">expenses after death such as </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">funeral expenses or federal </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and state taxes</span> 0.0025 0.0025 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 75 </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Only available if elected with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">Standard death benefit (for </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">owners age 79 or younger), </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">MAV or 5-year MAV</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners under </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">age 70 at issue, the benefit </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">is 40% of earnings</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 70 </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and older at issue with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">application dates on or after </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">10/16/2023, the benefit is </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">25% of earnings</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">For contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 70 </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and older at issue with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">application dates prior to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">10/16/2023, the benefit is </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">15% of earnings</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Fee</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current Fee</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of </span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Restrictions/ Limitations</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Enhanced </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Legacy</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;"> Benefit</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Increases the guaranteed </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit to the greater of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the MAV (i.e. the highest </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">anniversary contract value) </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and ADB value (i.e purchase </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">payments compounded at 5%), </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">adjusted for any partial </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrenders</span> 0.0175 2023-10-16 0.0100 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Available to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">owners age 75 </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">and younger</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Must be elected at contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">issue</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Not available with any other </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">death benefit </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rider</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Subject to Investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">Allocation restrictions</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">No longer eligible to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">increase on any contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">anniversary following your </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">81st (for ADB value) or 86</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">(for MAV) birthday</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Withdrawals will </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">proportionately reduce the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit, which means your </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">benefit could be reduced by </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">more than the dollar amount </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">of your withdrawals. Such </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">reductions could be </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">significant</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.5pt;">Annuitizing the Contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:9pt;">terminates the benefit</span> <span style="color:#000000;font-family:Arial;font-size:16.74pt;">Benefits in Case of Death — Standard Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We will pay the death benefit to your beneficiary upon your death if you die before the annuitization start date with the contract value greater than zero. If a contract has more than one person as the owner, we will pay benefits upon the first to die of any owner.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">For contracts with applications dated on or after 12/5/2022:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you are age 80 or younger on the date we issue the contract or the date of the most recent covered life change, the beneficiary receives the greater of:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the contract value after any rider charges have been deducted or</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Return of Purchase Payments (ROPP) value.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you are age 81 or older on the date we issue the contract or the date of the most recent covered life change, the beneficiary receives the contract value after any rider charges have been deducted.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">For contracts with applications dated prior to 12/5/2022:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you are age 79 or younger on the date we issue the contract or the date of the most recent covered life change, the beneficiary receives the greater of:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the contract value after any rider charges have been deducted;</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Return of Purchase Payments (ROPP) value; or</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Full Surrender Value.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you are age 80 or older on the date we issue the contract or the date of the most recent covered life change, the beneficiary receives the greater of contract value after any rider charges have been deducted or the Full Surrender Value.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">For all contracts:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Here are some terms that are used to describe the Standard Death Benefit and optional death benefits:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">ROPP Value:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> is the total purchase payments on the contract issue date. Additional purchase payments will be added to the ROPP value. Adjusted partial surrenders will be subtracted from the ROPP value.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:217.97pt;"> <tr style="height:10.5pt;"> <td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:133.97pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Adjusted partial surrenders</span></div></div></td> <td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:18pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Middle;width:66pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:6pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">a × b</span></div></div></div></td></tr> <tr style="height:11.5pt;"> <td style="padding-bottom:1.5pt;padding-top:3.75pt;vertical-align:Middle;width:66pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">c</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:525pt;"> <tr style="height:9.25pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:14.4pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">a</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:12pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:498.6pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the amount your contract value is reduced by the partial surrender.</span></div></div></td></tr> <tr style="height:11.75pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:14.4pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">b</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:12pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:498.6pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the applicable ROPP value, MAV value or 5-year MAV value on the date of (but prior to) the partial surrender.</span></div></div></td></tr> <tr style="height:10.25pt;"> <td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:14.4pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">c</span></div></div></td> <td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:12pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:498.6pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the contract value on the date of (but prior to) the partial surrender.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you take a partial surrender, the applicable ROPP, MAV, or 5-year MAV value will be reduced proportionally based on the percentage of contract value that is withdrawn. This means that if the contract value is higher than the ROPP, MAV, or 5-year MAV value at the time of a partial surrender, then the ROPP, MAV, or 5-year MAV Value is reduced by an amount that is less than the dollar amount withdrawn. Conversely, if the contract value is lower than the ROPP, MAV, or 5-year MAV value at the time of a partial surrender, then the ROPP, MAV, or 5-year MAV value is reduced by an amount that is more than the dollar amount withdrawn.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Covered Life Change</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: is either continuation of the contract by a spouse under the spousal continuation provision, or an ownership change where any owner after the ownership change was not an owner prior to the change.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Full Surrender Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: is the contract value immediately prior to the surrender (immediately prior to payment of a death claim for death benefits) less:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">pro rata rider charges,</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the contract charge, and</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">plus:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">any positive or negative market value adjustment.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">For contracts with applications dated on or after 12/5/2022:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For a spouse who continues the contract and is age 80 or younger, we set the ROPP value to the contract value on the date of the continuation after any rider charges have been deducted and after any increase to the contract value due to the death benefit that would otherwise have been paid, but with no reduction for rider charges on riders that remain in force.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">For contracts with applications dated prior to 12/5/2022:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For a spouse who continues the contract and is age 79 or younger, we set the ROPP value to the contract value on the date of the continuation after any rider charges have been deducted and after any increase to the contract value due to the death benefit that would otherwise have been paid, but with no reduction for rider charges on riders that remain in force and without regard to the Full Surrender Value.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">For all contracts</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">After a covered life change other than for the spouse who continues the contract, if the prior owner and all current owners are eligible for the ROPP Death Benefit, we reset the ROPP value on the valuation date we receive your written request for the ownership change to the contract value after any rider charges have been deducted, if the contract value is less. If the prior owner was not eligible for the ROPP Death Benefit, but the new owner is eligible, we reset the ROPP value to the contract value after any rider charges have been deducted on the valuation date we receive your request for the ownership change.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Example of standard death benefit calculation when you are age 79 or younger on the contract effective date:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Assumptions:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You purchase the contract with a payment of $20,000</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">During the second contract year the contract value falls to $18,000, at which point you take a $1,500 partial surrender, leaving a contract value of $16,500.</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:9.75pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">We calculate the death benefit as follows:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:45pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="display:flex;white-space:nowrap;width:41.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:453pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The total purchase payments minus adjustments for partial surrenders:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:45pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="display:flex;white-space:nowrap;width:41.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:23.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:453pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Total purchase payments</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">minus adjusted partial surrenders, calculated as:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:45pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="display:flex;white-space:nowrap;width:41.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:41.0pt;">20,000</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$1,500 × $20,000</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:351pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:45pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:41.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:41.0pt;">–1,667</span></div></div></div></td> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">$18,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:45pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="display:flex;white-space:nowrap;width:41.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;width:453pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for a standard death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:45pt;"> <div style="line-height:12.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:41.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:41.0pt;">18,333</span></div></div></div></td> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.5pt;"> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;width:453pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">since this is greater than your contract value of $16,500</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:45pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="display:flex;white-space:nowrap;width:41.0pt;"> </div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:12.09pt;">If You Die Before the Annuitization Start Date</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;line-height:13.0200pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">When paying the beneficiary, we will process the death claim on the valuation date our death claim requirements are fulfilled. We will determine the contract’s value using the accumulation unit value we calculate on that valuation date. We pay interest, if any, at a rate no less than required by law. We will mail payment to the beneficiary within seven days after our death claim requirements are fulfilled.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Death claim requirements generally include due proof of death and will be detailed in the claim materials we send upon notification of death.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">When paying multiple beneficiaries, we will process the death claim of each beneficiary on the valuation date when a beneficiary provides us with complete death claim requirements. We will determine a beneficiary's proceeds using the accumulation unit value we calculate on that valuation date. The remaining contract value remains invested as was specified at time of death. We pay interest, if any, at a rate no less than required by law. We will mail payment to a beneficiary within seven days after our death claim requirements are fulfilled.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Nonqualified annuities</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Spousal continuation:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> If your spouse is sole primary beneficiary and you die before the annuitization start date, your spouse may keep the contract as owner with the contract value equal to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value). To do this your spouse must, on the date our death claim requirements are fulfilled, give us written instructions to continue the contract as owner.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you elected any optional contract features or riders, your spouse will be subject to all limitations and/or restrictions of those features or riders just as if they were purchasing a new contract and the values may be reset (see “Optional Death Benefits” and “Benefits in the Case of Death — Standard Death Benefit”). If the death benefit applicable to the contract changes due to spousal continuation, the mortality and expense risk fee may change as well (see “Charges — Mortality and Expense Risk Fee”).</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If your beneficiary is not your spouse, or your spouse does not elect spousal continuation, we will pay the beneficiary in a single sum unless you give us other written instructions. Generally, we must fully distribute the death benefit within five years of your death. However, the beneficiary may receive payouts under any annuity payout plan available under this contract if:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the beneficiary elects in writing, and payouts begin, no later than one year after your death, or other date as permitted by the IRS; and</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the payout period does not extend beyond the beneficiary’s life or life expectancy.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Inherited Nonqualified Stretch Annuities.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> For inherited nonqualified stretch annuities, your spouse may not choose to continue the contract under the spouse's option to continue contract provision. If you die before the full distribution of your interest in this contract, your beneficiary will receive the death benefit as determined by the contract or any attached riders in a lump sum or if We allow, may elect to continue to receive the Required Distributions under this contract. Required Distributions must continue at least as rapidly as Section 72(s)(2) of the Code required prior to your death. Your beneficiary may not elect an annuity payment plan.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Qualified annuities</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The information below has been revised to reflect proposed regulations issued by the Internal Revenue Service that describe the requirements for required minimum distributions when a person or entity inherit assets held in an IRA, 403(b) or qualified retirement plan. This proposal is not final and may change. Contract owners are advised to work with a tax professional to understand their required minimum distribution obligations under the proposed regulations and federal law.  The proposed regulations can be found in the Federal Register, Vol. 87, No. 37, dated Thursday, February 24, 2022.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Spouse beneficiary</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: If you have not elected an annuity payout plan, and if your spouse is the sole primary beneficiary, your spouse may either elect to treat the contract as his/her own (spousal continuation), so long as he or she is eligible to do so, or elect an annuity payout plan or another plan agreed to by us. If your spouse elects a payout option, the payouts must begin no later than the year in which you would have reached age 73. If you attained age 73 at the time of death, payouts must begin no later than Dec. 31 of the year following the year of your death.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your spouse may elect to assume ownership of the contract with the contract value equal to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value). To do this your spouse must, on the date our death claim requirements are fulfilled, give us written instructions to continue the contract as owner. If you elected any optional contract features or riders, your spouse will be subject to all limitations and/or restrictions of those features or riders just as if they were purchasing a new contract and the values may be reset (see “Optional Death Benefits” and “Benefits in the Case of Death — Standard Death Benefit”). If the death benefit applicable to the contract changes due to spousal continuation, the mortality and expense risk fee may change as well (see “Charges — Mortality and Expense Risk Fee”).</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you purchased this contract as an inherited IRA and your spouse is the sole beneficiary, he or she can elect to continue this contract as an inherited IRA. Your spouse must follow the schedule of minimum surrenders established based on your life expectancy and must withdraw his or her entire inherited interest by December 31 of the 10</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> year following your date of death.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you purchased this contract as an inherited IRA and your spouse is not the sole beneficiary, he or she can elect an alternative payment plan for his or her share of the death benefit and all optional death benefits will terminate. Your spouse beneficiary must submit the applicable investment options form. No additional purchase payments will be accepted. The death benefit payable on the death of the spouse beneficiary is the greater of the contract value after any rider charges have been deducted and the Full Surrender Value; the mortality and expense risk fee will be the same as is applicable to the Standard Death Benefit. Your spouse must follow the schedule of minimum surrenders established based on your life expectancy and must withdraw his or her entire inherited interest by December 31 of the 10</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> year following your date of death.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Non-spouse beneficiary</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: If you have not elected an annuity payout plan, and if death occurs on or after Jan. 1, 2020, the beneficiary is required to withdraw his or her entire inherited interest by December 31 of the 10</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> year following your date of death unless they qualify as an “eligible designated beneficiary.” Your beneficiary may be required to take distributions during the 10-year period if you died after your Required Beginning Date. Eligible designated beneficiaries may continue to take proceeds out over your life expectancy if you died prior to your Required Beginning Date or over the greater of your life expectancy or their life expectancy if you died after your Required Beginning Date. Eligible designated beneficiaries include the surviving spouse:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the surviving spouse;</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">a lawful child of the owner under the age of 21 (remaining amount must be withdrawn by the earlier of the end of the year the minor turns 31 or end of the 10th year following the minor's death);</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">disabled within the meaning of Code section 72(m)(7);</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">chronically ill within the meaning of Code section 7702B(c)(2);</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">any other person who is not more than 10 years younger than the owner.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">However, non-natural beneficiaries, such as estates and charities, are subject to a five-year rule to distribute the IRA if you died prior to your Required Beginning Date.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We will pay the beneficiary in a single sum unless the beneficiary elects to receive payouts under a payout plan available under this contract and:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the beneficiary elects in writing, and payouts begin, no later than one year following the year of your death; and</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the payout period does not extend beyond December 31 of the 10th year following your death or the applicable life expectancy for an eligible designated beneficiary.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Spouse and Non-spouse beneficiary:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> If a beneficiary elects an alternative payment plan which is an inherited IRA, all optional death benefits will terminate. The beneficiary must submit the applicable investment options form. No additional purchase payments will be accepted. The death benefit payable on the death of the beneficiary is the greater of the contract value and the Full Surrender Value; the mortality and expense risk fee will be the same as is applicable to the Standard Death Benefit.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Annuity payout plan:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> If you elect an annuity payout plan, the payouts to your beneficiary may continue depending on the annuity payout plan you elect, subject to adjustment to comply with the IRS rules and regulations.</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">If You Die After the Annuitization Start Date</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;line-height:13.0200pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you die after the annuitization start date, the amount payable, if any, will depend on the annuity payment plan then in effect. Payments to beneficiaries are subject to adjustment to comply with the IRS rules and regulations.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Death of the owner</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: If the owner is the annuitant and dies after the annuitization start date, payments cease for lifetime only payment plans. Payments continue to the owner’s beneficiaries for the remainder of any guarantee period or for the lifetime of a surviving joint annuitant, if any.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If the owner is not the annuitant and dies after the annuitization start date, payments continue to the beneficiaries according to the payment plan in effect.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Death of the annuitant or of a beneficiary receiving payments under an annuity payment plan</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: If the owner is not the annuitant and the annuitant dies after the annuitization start date, payments cease for lifetime payment plans. Payments continue to the owner for the remainder of any guarantee period or for the lifetime of a surviving joint annuitant, if any.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If a beneficiary elects an annuity payment plan as provided under the payment options provision above and dies after payments begin, payments continue to beneficiaries named by the deceased beneficiary as provided under the change of beneficiary provision for the remainder of any guarantee period. (See “Annuity Payout Plans”)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In any event, amounts remaining payable must be paid at least as rapidly as payments were being made at the time of such death.</span> <span style="color:#000000;font-family:Arial;font-size:12.09pt;">Return of Purchase Payments (ROPP) Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;line-height:13.0200pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The ROPP Death Benefit will pay your beneficiaries no less than your purchase payments, adjusted for surrenders. If you die before the annuitization start date and while this contract is in force, the death benefit will be the greatest of:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the contract value after any rider charges have been deducted,</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the ROPP Value, or</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Full Surrender Value.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">If the contract application is dated on or after 12/05/2022,</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> for a spouse who continues the contract and is age 81 or older, we reset the ROPP value to the contract value on the date of the continuation and after any increase to the contract value due to the death benefit that would otherwise have been paid. If the spouse who continues the contract is age 80 or younger, the optional ROPP Death Benefit will terminate and the Standard ROPP Death Benefit will apply.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">After a covered life change other than for the spouse who continues the contract, if any owner is age 81 or older we reset the ROPP value on the valuation date we receive your request for the ownership change to the contract value, if the contract value is less.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If all owners are age 80 or younger, the optional ROPP Death Benefit will terminate and the Standard ROPP Death Benefit will apply.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">If the contract application is dated prior to 12/05/2022,</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> for a spouse who continues the contract and is age 80 or older, we reset the ROPP value to the contract value on the date of the continuation and after any increase to the contract value due to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value). If the spouse who continues the contract is age 79 or younger, the optional ROPP Death Benefit will terminate and the Standard ROPP Death Benefit will apply.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">After a covered life change other than for the spouse who continues the contract, if any owner is age 80 or older we reset the ROPP value on the valuation date we receive your request for the ownership change to the contract value, if the contract value is less.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If all owners are age 79 or younger, the optional ROPP Death Benefit will terminate and the Standard ROPP Death Benefit will apply.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">If you are age 75 or younger at contract issue, you may select one of the following optional death benefits: MAV Death Benefit, 5-Year MAV Death Benefit, Benefit Protector Death Benefit or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Enhanced Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;"> Benefit. The Benefit Protector Death Benefit may only be selected in combination with the MAV Death Benefit or the 5-Year MAV Death Benefit (or the Standard Death Benefit).</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;text-decoration:underline;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">If you select the MAV Death Benefit or 5-Year MAV Death Benefit, you may also select the Benefit Protector Death Benefit. If you are between ages 76-79 at contract issue, you may only select the MAV Death Benefit. The death benefits do not provide any additional benefit before the first contract anniversary and may not be appropriate for certain older issue ages because the benefit values may be limited after age 80. Be sure to discuss with your financial advisor whether or not these death benefits are appropriate for your situation.</span> <span style="color:#000000;font-family:Arial;font-size:12.09pt;">Maximum Anniversary Value (MAV) Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;line-height:13.0200pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The MAV Death Benefit provides that if you die while the contract is in force and before the annuitization start date, the death benefit will be the greatest of these values:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the contract value after any rider charges have been deducted;</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the ROPP value;</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the MAV; or</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Full Surrender Value.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The MAV equals the ROPP value prior to the first contract anniversary. Every contract anniversary prior to the earlier of your 81st birthday or your death, we compare the MAV to the current contract value and we reset the MAV to the higher amount. The MAV is increased by any additional purchase payments and reduced by adjusted partial surrenders as described above in the “Benefits in Case of Death — Standard Death Benefit” section.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For a spouse who is age 79 or younger and continues the contract, we reset the MAV to the contract value on the date of the continuation after any rider charges have been deducted and after any increase to the contract value due to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value). If your spouse is age 80 or older when the contract is continued, the MAV death benefit will terminate and the Standard Death Benefit will apply.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">After a covered life change other than for a spouse who continues the contract, if all owners are age 79 or younger, we reset the MAV on the valuation date we receive your request for the ownership change to the lesser of these two values:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the contract value after any rider charges have been deducted, or</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the MAV on that date, but prior to the reset.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If any owner is age 80 or older at the time of the covered life change, the MAV death benefit will terminate and the Standard Death Benefit will apply.</span> <span style="color:#000000;font-family:Arial;font-size:12.09pt;">5-Year Maximum Anniversary Value (5-Year MAV) Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;line-height:13.0200pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The 5-year MAV Death Benefit provides that if you die while the contract is in force and before the annuitization start date, the death benefit will be the greatest of these values:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the contract value after any rider charges have been deducted;</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the ROPP value;</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the 5-year MAV; or</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Full Surrender Value.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The 5-year MAV equals the ROPP value prior to the fifth contract anniversary. Every fifth contract anniversary prior to the earlier of your 81st birthday or your death, we compare the 5-year MAV to the current contract value and we reset the 5-Year MAV to the higher amount. The 5-year MAV is increased by any additional purchase payments and reduced by adjusted partial surrenders as described above in the “Benefits in Case of Death — Standard Death Benefit” section.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For a spouse who is age 75 or younger and continues the contract, we reset the 5-Year MAV to the contract value on the date of the continuation after any rider charges have been deducted and after any increase to the contract value due to the death benefit that would otherwise have been paid (without regard to the Full Surrender Value). If your spouse is age 76 or older when the contract was continued, the 5-year MAV death benefit will terminate and the Standard Death Benefit will apply.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">After a covered life change other than for a spouse who continues the contract, if all owners are age 75 or younger, we reset the 5-Year MAV on the valuation date we receive your request for the ownership change to the lesser of these two values:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the contract value after any rider charges have been deducted, or</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the 5-Year MAV on that date, but prior to the reset.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If any owner is age 76 or older at the time of the covered life change, the 5-year MAV death benefit will terminate and the Standard Death Benefit will apply.</span> <span style="color:#000000;font-family:Arial;font-size:12.09pt;font-style:italic;">Enhanced Legacy </span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Benefit</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;line-height:13.0200pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Benefit is an optional death benefit that you can add to your contract for an additional charge. The </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Benefit may not be purchased with MAV, 5-year MAV or Benefit Protector Death Benefit riders. Also, loans will not be available if you purchase this optional benefit. This benefit is intended to provide additional guarantees that may increase the death benefit provided in the contract.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you are age 75 or younger at contract issue, you may choose to add this rider to your contract. The rider will terminate upon assignment or a change in ownership of the contract unless the new assignee or owner meets the qualifications specified in the Assignment and Change of Ownership section below (does not apply to contracts issued in California).</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Benefit provides that if you die while the contract is in force and before the annuitization start date, the death benefit will be the greatest of these values:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">contract value after any rider charges have been deducted; or</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the ROPP value; or</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Accumulation Death Benefit (ADB) value; or</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the MAV.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Accumulation Death Benefit (ADB) is a component of the death benefit that is based on purchase payments increased by 5% on each anniversary through age 80 (adjusted for partial surrenders).</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For contracts issued in California, the following applies:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The benefits provided under this rider are only payable at the annuitant’s death and terms “you” or “your” refer to annuitant.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If the owner is a natural person, the owner and the annuitant must be the same at issue.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The key terms and provisions of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Benefit are:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Covered Life Change: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">is either the continuation of the contract by a spouse under the spouse's option to continue contract provision or, in all states except California, an ownership change where an owner after the ownership change was not an owner prior to the change.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Adjustments for Partial Surrenders: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Adjustments for partial surrenders are calculated for the ROPP value, ADB value and MAV separately for each partial surrender using the following formula:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:30pt;width:83.13pt;"> <tr style="height:10.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Middle;width:48pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">a × b</span></div></div></td> <td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:35.13pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">where:</span></div></div></td></tr> <tr style="height:11.5pt;"> <td style="padding-bottom:1.5pt;padding-top:2.25pt;vertical-align:Middle;width:48pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">c</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:525pt;"> <tr style="height:9.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:44.4pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:36pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">a</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:12pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:468.6pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the amount the contract value is reduced by the partial surrender</span></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:44.4pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:36pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">b</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:12pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:468.6pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the applicable ROPP value, ADB value or MAV on the date of (but prior to) the partial surrender</span></div></div></td></tr> <tr style="height:10.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:44.4pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:36pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">c</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:12pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:468.6pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the contract value on the date of (but prior to) the partial surrender.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">ROPP Value, ADB Value and MAV: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">are the total purchase payments on the contract issue date. Additional purchase payments will be added to the ROPP value, ADB value and MAV. Adjustments for partial surrenders (as calculated above) will be subtracted from the ROPP value, ADB value and MAV. The ROPP value, ADB value and MAV cannot be withdrawn in a lump sum.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On each contract anniversary prior to your date of death the ADB value and MAV will be adjusted as follows:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On the first contract anniversary, we increase the ADB value by 5%, multiplied by the ADB value as of 60 days after the contract date.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On each contract anniversary after the first and prior to you reaching age 81, we increase the ADB value by 5%, multiplied by the prior contract anniversary’s ADB value.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On each contract anniversary prior to you reaching age 86, the MAV will be increased to the contract value (after rider charges are deducted) if greater.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For a spouse who is age 75 or younger and continues the contract, the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Benefit will continue and the ROPP value, ADB value and MAV are reset to the contract value on the date of continuation after any rider charges have been deducted and after any increase to the contract value due to the death benefit that would otherwise have been paid. If your spouse is age 76 or older when the contract is continued, the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy Benefit </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">will terminate and the Standard Death Benefit will apply.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;text-decoration:underline;">After a covered life change other than for a spouse who continues the contract, if the owner is age 75 or younger,</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Benefit will continue and the ROPP value, ADB value and MAV are reset on the valuation date we receive your written request for the covered life change to the lesser of the contract value on that date after any rider charges have been deducted, and the applicable ROPP value, ADB value and MAV on that date (but prior to the reset). If the owner is age 76 or older at the time of the covered life change, the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Benefit will terminate and the Standard Death Benefit will apply.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You should consider whether the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Benefit is appropriate for you because:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="font-family:Arial;font-size:9.30pt;">•</span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Investment Allocation Restrictions: </span><span style="font-family:Arial;font-size:9.30pt;">This rider requires 100% allocation of purchase payments and your contract value to approved investment options, which are currently Portfolio Stabilizer funds and for application dates on or after 10/16/2023 certain Portfolio Navigator funds. This means that you will not be able to allocate contract value to all of the subaccounts and GPAs, that are available under the contract to contract owners who do not elect the rider. (See “Appendix A: Funds Available Under the </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy</span><span style="font-family:Arial;font-size:9.30pt;"> Benefit”). You may allocate purchase payments to the Special DCA fixed account, when available, and we will make monthly transfers into the investment option you have chosen. We reserve the right to limit the number of investment option changes per contract year. We also reserve the right to limit elective investment option changes if required to comply with the written instructions of a fund (see “Making the Most of Your Contract – Transferring Among Accounts – Market Timing”). We reserve the right to add, remove or substitute approved investment options at any time and in our sole discretion. Any substitution of funds may be subject to the SEC or state insurance departments approval. (See “Substitution of Investments”).</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Limitation on Purchase payments:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> We reserve the right to limit the cumulative amount of purchase payments, subject to state restrictions. This may limit your ability to increase the contract value and death benefit. For current purchase payment restrictions, please see “Buying Your Contract — Purchase Payments”.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Assignment and Change of Ownership</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Joint ownership and joint annuitants are not allowed while this rider is in force. In all states, except California, this rider will continue and the benefit amount may be reset if there is an assignment or a change of ownership and the owner or assignee is age 75 or younger.  An assignment or change of ownership may also be made to a non-natural owner (e.g. an individual ownership changed to an irrevocable trust) or to a revocable trust, with either holding for the sole benefit of the prior owner. Assignments and ownership changes other than these will terminate the rider.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For contracts issued in California, the benefits provided under this rider are only payable at the annuitant’s death. You may not change the annuitant while this rider is in force, unless you are the annuitant and your spouse becomes the owner and annuitant under the spousal continuation provision.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Termination of the Rider</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The rider can only be terminated under the following circumstances:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">After the death benefit is payable, unless the spouse continues the contract as described in the spouse’s option to continue contract provision, the rider will terminate.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For contracts issued in California, after the death benefit is payable, if you are not the annuitant, the rider will terminate.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Certain assignment and ownership changes as described in the Assignment and Change of Ownership provision will terminate the rider (does not apply to contracts issued in California).</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On the annuitization start date the rider will terminate.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">5.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In relation to certain increases to the annual rider fee as described in the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Benefit Charge provision, your written request will terminate the rider.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">6.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Reduction of the contract value to zero will terminate the rider.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">7.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Termination of the contract for any reason will terminate the rider.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Upon termination of this rider, any additional death benefit provided by the rider will not be payable upon your death. Upon termination, this rider may not be reinstated.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For an example, please see Appendix C.</span> <span style="color:#000000;font-family:Arial;font-size:16.74pt;">Appendix A:Funds Available Under the Contract</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The following is a list of funds available under the contract. More information about the funds is available in the prospectuses for the funds, which may be amended from time to time and can be found online at riversource.com. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to riversource.annuityservice@ampf.com. Depending on the optional benefits you choose, you may not be able to invest in certain funds.   See table below, "Funds Available Under the Enhanced Legacy Benefit."</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The current expenses and performance information below reflects fee and expenses of the funds, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each fund’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;">The following is a list of funds available under the contract. More information about the funds is available in the prospectuses for the funds, which may be amended from time to time and can be found online at riversource.com. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to riversource.annuityservice@ampf.com. Depending on the optional benefits you choose, you may not be able to invest in certain funds.   See table below, "Funds Available Under the Enhanced Legacy Benefit."</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The current expenses and performance information below reflects fee and expenses of the funds, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each fund’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span> <span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to maximize total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">AllianceBernstein’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">determination of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">reasonable risk.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">AB VPS Dynamic Asset Allocation Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class B)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span> 0.0110 0.1348 0.0403 0.0322 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">AB VPS Large Cap Growth Portfolio (Class B)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span> 0.0091 0.3478 0.1756 0.1460 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio (Class B)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span> 0.0086 0.1172 0.1157 0.0905 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">AB VPS Sustainable Global Thematic </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class B)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span> 0.0117 0.1570 0.1327 0.0933 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allspring VT Opportunity Fund - Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Funds Management, LLC, adviser; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Global Investments, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">sub-adviser.</span> 0.0100 0.2650 0.1474 0.1032 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allspring VT Small Cap Growth Fund - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Funds Management, LLC, adviser; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Global Investments, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">sub-adviser.</span> 0.0117 0.0411 0.0768 0.0660 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The Portfolio seeks </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment results that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">correspond (before fees </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and expenses) generally </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the price and yield </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of its </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">underlying index, the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Alerian Midstream </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Energy Select Index </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(the “Index”).</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">ALPS | Alerian Energy Infrastructure </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio: Class III</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">ALPS Advisors, Inc.</span> 0.0130 0.1391 0.1067 0.0270 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of captial.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">BlackRock Advantage SMID Cap V.I. Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class III)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC</span> 0.0080 0.1863 0.1152 0.0828 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks high total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment return.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">BlackRock Global Allocation V.I. Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class III)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC, adviser; BlackRock </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(Singapore) Limited and BlackRock </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">International Limited, sub-advisers.</span> 0.0102 0.1249 0.0739 0.0463 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio, Inc. - Service Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc., </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Newton Investment Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, sub-adviser.</span> 0.0092 0.2350 0.1485 0.1018 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to achieve a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">competitive total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">through an actively </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">managed portfolio of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">stocks, bonds and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">money market </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">instruments which offer </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth opportunity.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Calvert VP SRI Balanced Portfolio - Class F</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Calvert Research and Management</span> 0.0090 0.1642 0.0999 0.0711 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks maximum total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">through a combination </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital growth and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Balanced Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2) (available for contract applications </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">signed on or after 5/3/2021)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0101 0.2110 0.1071 0.0783 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks maximum total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">through a combination </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital growth and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Balanced Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 3) (available for contract applications </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">signed prior to 5/3/2021)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0089 0.2123 0.1083 0.0794 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Commodity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Strategy Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0101 -0.0714 0.0908 -0.0097 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consisting of long-term </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Contrarian Core </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0095 0.3188 0.1654 0.1154 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Disciplined </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Core Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0093 0.2408 0.1354 0.1089 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and, as a secondary </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective, steady growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Dividend </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Opportunity Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0099 0.0484 0.1020 0.0774 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Non-diversified fund that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">total return through </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">secondarily, through </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Emerging </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Markets Bond Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0100 0.1002 0.0157 0.0220 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Emerging </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Markets Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0134 0.0919 0.0340 0.0238 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">total return through </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Global Strategic </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Income Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0084 0.0947 0.0205 0.0028 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maximum current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">liquidity and stability of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">principal.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Government </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Money Market Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0061 0.0448 0.0149 0.0089 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income as its </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primary objective and, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">as its secondary </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective, capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - High Yield Bond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0089 0.1187 0.0531 0.0417 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">total return through </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Income </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Opportunities Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0089 0.1136 0.0502 0.0400 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while attempting to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conserve the value of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the investment for the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">longest period of time.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Intermediate </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Bond Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0076 0.0596 0.0134 0.0199 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Large Cap </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0097 0.4277 0.1798 0.1337 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Large Cap Index </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 2) (available for contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications signed on or after 5/3/2021)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0050 0.2565 0.1508 0.1142 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Large Cap Index </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 3) (available for contract </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">applications signed prior to 5/3/2021)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0038 0.2582 0.1523 0.1156 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Limited </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Duration Credit Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0066 0.0666 0.0236 0.0165 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consisting of current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Long </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Government/Credit Bond Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0074 0.0668 0.0081 0.0167 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Overseas Core </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0104 0.1532 0.0796 0.0337 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Large </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Cap Equity Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0093 0.2777 0.1504 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Large </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Cap Value Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0095 0.0511 0.1186 0.0885 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Mid Cap </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0107 0.2492 0.1279 0.0938 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Mid Cap </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Value Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0107 0.1005 0.1305 0.0816 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Small </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Cap Value Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0110 0.1285 0.0991 0.0618 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Seligman </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Global Technology Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0120 0.4487 0.2534 0.2011 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Small Cap </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Value Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0111 0.2167 0.1339 0.0840 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consisting of current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Strategic </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Income Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0094 0.0920 0.0291 0.0299 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income as its </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primary objective and, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">as its secondary </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective, preservation </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">U.S. Government Mortgage Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0071 0.0543 -0.0007 0.0133 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - American Century Diversified Bond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; American Century Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, Inc., subadviser.</span> 0.0075 0.0533 0.0111 0.0177 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Non-diversified fund that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return that exceeds the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rate of inflation over the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long term.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - BlackRock Global Inflation-Protected </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Securities Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; BlackRock Financial </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, Inc., subadviser; BlackRock </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">International Limited, sub-subadviser.</span> 0.0087 0.0389 0.0093 0.0211 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - CenterSquare Real Estate Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; CenterSquare Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management LLC, subadviser.</span> 0.0106 0.1356 0.0773 0.0546 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Value Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Massachusetts Financial </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Services Company, subadviser.</span> 0.0087 0.0777 0.1106 0.0824 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Principal Blue Chip Growth Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Principal Global Investors, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span> 0.0095 0.3920 0.1538 0.1320 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital and income.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - T. Rowe Price Large Cap Value Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; T. Rowe Price Associates, Inc., </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span> 0.0095 0.0928 0.1086 0.0723 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return through current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - TCW Core Plus Bond Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; TCW Investment Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company LLC, subadviser.</span> 0.0074 0.0554 0.0102 0.0150 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Victory Sycamore Established Value </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Victory Capital Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Inc., subadviser.</span> 0.0107 0.0967 0.1404 0.1044 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Westfield Mid Cap Growth Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Westfield Capital Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company, L.P., subadviser.</span> 0.0107 0.2517 0.1429 0.0969 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Westfield Select Large Cap Growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 2) (previously CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Morgan </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Stanley Advantage Fund (Class 2))</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Westfield Capital Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company, L.P., subadviser.</span> 0.0095 0.3062 0.1033 0.1005 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">results that correspond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of common </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">stocks as represented </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">by the MSCI EAFE Index.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CVT EAFE International Index Portfolio - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class F (previously Calvert VP EAFE </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">International Index Portfolio - Class F)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Calvert Research and Management</span> 0.0068 0.1753 0.0761 0.0358 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">results that correspond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of U.S. </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">common stocks, as </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">represented by the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">NASDAQ 100 Index.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CVT Nasdaq 100 Index Portfolio - Class F </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(previously Calvert - VP Nasdaq 100 Index </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio - Class F)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Calvert Research and Management, adviser; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Ameritas Investment Partners, Inc, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span> 0.0073 0.5402 0.2179 0.1705 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">results that correspond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of U.S. </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">common stocks, as </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">represented by the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Index.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CVT Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Small Cap Index </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio - Class F (previously Calvert - VP </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Small Cap Index Portfolio - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class F)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Calvert Research and Management, adviser; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Ameritas Investment Partners, Inc, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span> 0.0059 0.1636 0.0947 0.0653 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class B</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management Americas </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Inc., adviser; RREEF America L.L.C., </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadvisor.</span> 0.0121 0.0567 0.0570 0.0263 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks high level of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Eaton Vance VT Floating-Rate Income Fund - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Initial Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Eaton Vance Management</span> 0.0117 0.1121 0.0413 0.0322 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Portfolio Service </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(the Adviser) is the fund’s manager. Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (UK) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (Hong Kong) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (Japan) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, subadvisers.</span> 0.0081 0.3312 0.1636 0.1133 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Emerging Markets Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(the Adviser) is the fund’s manager. Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (UK) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (Hong Kong) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (Japan) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, FIL Investment Advisers, FIL </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Advisers (UK) Limited and FIL </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investments (Japan) Limited, subadvisers.</span> 0.0114 0.0949 0.0755 0.0492 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Energy Portfolio Service </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(the Adviser) is the fund’s manager. Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (UK) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (Hong Kong) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (Japan) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, subadvisers.</span> 0.0086 0.0070 0.1336 0.0237 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks high total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">through a combination </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of current income and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Growth &amp; Income Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(the Adviser) is the fund’s manager. Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (UK) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (Hong Kong) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (Japan) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, subadvisers.</span> 0.0074 0.1841 0.1450 0.1000 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Growth Opportunities Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(the Adviser) is the fund’s manager. Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (UK) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (Hong Kong) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (Japan) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, subadvisers.</span> 0.0084 0.4530 0.1879 0.1544 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP International Capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Appreciation Portfolio Service Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(the Adviser) is the fund’s manager. Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (UK) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (Hong Kong) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (Japan) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, FIL Investment Advisers, FIL </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Advisers (UK) Limited and FIL </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investments (Japan) Limited, subadvisers.</span> 0.0103 0.2718 0.1115 0.0748 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks as high level of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income as is </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consistent with the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Investment Grade Bond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio Service Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(the Adviser) is the fund’s manager. Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (UK) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (Hong Kong) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (Japan) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, subadvisers.</span> 0.0063 0.0600 0.0172 0.0208 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio Service </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(the Adviser) is the fund’s manager. Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (UK) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (Hong Kong) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (Japan) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, subadvisers.</span> 0.0082 0.1480 0.1217 0.0785 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks a high level of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and may </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">also seek capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Strategic Income Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(the Adviser) is the fund’s manager. Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (UK) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (Hong Kong) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management &amp; Research Company (Japan) </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, FIL Investment Advisers, FIL </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Advisers (UK) Limited and FIL </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investments (Japan) Limited, subadvisers.</span> 0.0090 0.0918 0.0347 0.0310 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to maximize </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income while </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maintaining prospects </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for capital appreciation. </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Under normal market </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conditions, the fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">invests in a diversified </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">portfolio of equity and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">debt securities.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Income VIP Fund - Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc.</span> 0.0071 0.0862 0.0698 0.0501 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to maximize </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income while </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maintaining prospects </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for capital appreciation. </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Under normal market </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conditions, the fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">invests in a diversified </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">portfolio of equity and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">debt securities.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Income VIP Fund - Class 4</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc.</span> 0.0081 0.0855 0.0688 0.0490 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Mutual Global Discovery VIP Fund - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class 4</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Mutual Advisers, LLC</span> 0.0125 0.2013 0.1004 0.0586 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation, with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income as a secondary </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">goal. Under normal </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market conditions, the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fund invests primarily in </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">U.S. and foreign equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">securities that the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment manager </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">believes are </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">undervalued.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Mutual Shares VIP Fund - Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Mutual Advisers, LLC</span> 0.0093 0.1346 0.0781 0.0543 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return. Under normal </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market conditions, the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fund invests at least </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">80% of its net assets in </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investments of small </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capitalization </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">companies.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Small Cap Value VIP Fund - Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Mutual Advisers, LLC</span> 0.0091 0.1275 0.1106 0.0704 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return. Under normal </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market conditions, the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fund invests at least </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">80% of its net assets in </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investments of small </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capitalization </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">companies.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Small Cap Value VIP Fund - Class 4</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Mutual Advisers, LLC</span> 0.0101 0.1267 0.1097 0.0694 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Goldman Sachs VIT Multi-Strategy </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Alternatives Portfolio - Advisor Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Goldman Sachs Asset Management, L.P.</span> 0.0136 0.0753 0.0400 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Goldman Sachs VIT Multi-Strategy </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Alternatives Portfolio - Service Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Goldman Sachs Asset Management, L.P.</span> 0.0121 0.0777 0.0416 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Goldman Sachs VIT Small Cap Equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insights Fund - Service Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Goldman Sachs Asset Management, L.P.</span> 0.0107 0.1895 0.0976 0.0753 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">low to moderate </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">correlation to traditional </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">financial market indices.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Balanced-Risk Allocation Fund, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Series II Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0113 0.0640 0.0466 0.0379 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and income through </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investments in equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">securities, including </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">common stocks, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preferred stocks and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">securities convertible </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">into common and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preferred stocks.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Comstock Fund, Series II </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0100 0.1210 0.1320 0.0865 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">comprised of current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Core Plus Bond Fund, Series II </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0086 0.0585 0.0164 0.0247 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Global Fund, Series II Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0107 0.3445 0.1202 0.0821 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Global Strategic Income Fund, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Series II Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0117 0.0860 0.0104 0.0125 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Series II Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0113 0.1782 0.1279 0.0866 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Technology Fund, Series II </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0123 0.4672 0.1465 0.1197 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth, consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and balanced by current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Balanced Portfolio: </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0087 0.1513 0.0937 0.0773 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to obtain </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maximum total return, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Flexible Bond Portfolio: </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0082 0.0529 0.0155 0.0166 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Forty Portfolio: Service </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0080 0.3965 0.1664 0.1345 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Global Technology and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Innovation Portfolio: Service Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0097 0.5427 0.2005 0.1686 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Overseas Portfolio: </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0114 0.1058 0.1092 0.0338 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Research Portfolio: </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0082 0.4281 0.1654 0.1221 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lazard Retirement Emerging Markets Equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio - Service Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lazard Asset Management, LLC</span> 0.0142 0.2227 0.0501 0.0204 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lazard Retirement Global Dynamic </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Multi-Asset Portfolio - Service Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lazard Asset Management, LLC</span> 0.0105 0.1081 0.0400 0.0377 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks high current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">opportunity for capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation to produce </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">a high total return.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lord Abbett Series Fund Bond Debenture </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio - Class VC</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lord, Abbett &amp; Co LLC</span> 0.0090 0.0655 0.0314 0.0349 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks a high level of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lord Abbett Series Fund Short Duration </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Income Portfolio - Class VC</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lord, Abbett &amp; Co LLC</span> 0.0085 0.0505 0.0169 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">LVIP American Century International Fund, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments Corporation, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">investment adviser; American Century </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Management, Inc., investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">sub-adviser.</span> 0.0110 0.1243 0.0812 0.0391 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth. Income is a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">secondary objective.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">LVIP American Century Mid Cap Value Fund, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments Corporation, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">investment adviser; American Century </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Management, Inc., investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">sub-adviser.</span> 0.0101 0.0603 0.1090 0.0861 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth. Income is a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">secondary objective.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">LVIP American Century Value Fund, Service </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments Corporation, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">investment adviser; American Century </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Management, Inc., investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">sub-adviser.</span> 0.0086 0.0902 0.1171 0.0836 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">total return from a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">portfolio of selected </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">equity securities.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">LVIP - JPMorgan U.S.Equity Fund - Service </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class (not available for purchase on or after </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">5/1/2023)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lincoln Investment Advisors Corporation, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; J.P. Morgan Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management Inc., subadviser.</span> 0.0092 0.2684 0.1686 0.1215 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Macquarie VIP Asset Strategy Series - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class (previously Delaware Ivy VIP - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Asset Strategy, Class II)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Ivy Investment Management Company</span> 0.0085 0.1390 0.0827 0.0348 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks high current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Macquarie VIP Fund for Income Series - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class (previously Delaware VIP Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for Income Series - Service Class)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, adviser; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Macquarie Investment Management Global </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, Macquarie Investment Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Austria Kapitalanlage AG and Macquarie </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Management Europe Limited, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadvisers.</span> 0.0105 0.1285 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Macquarie VIP International Core Equity - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class (previously Delaware Ivy VIP </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">International Core Equity - Class II)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, adviser; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Macquarie Funds Management HK Ltd., </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Macquarie Investment Management Global </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited, subadvisers.</span> 0.0111 0.1565 0.0756 0.0400 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Global Real Estate Portfolio - Service </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services Company</span> 0.0115 0.1120 0.0616 0.0628 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> International Growth Portfolio - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services Company</span> 0.0113 0.1439 0.0920 0.0609 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Research International Portfolio - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services Company</span> 0.0114 0.1283 0.0823 0.0389 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Utilities Series - Service Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services Company</span> 0.0104 -0.0233 0.0805 0.0613 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The Fund seeks </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">by investing primarily in </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">common stocks and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">other equity securities.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Morgan Stanley VIF Discovery Portfolio, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class II Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Morgan Stanley Investment Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Inc.</span> 0.0105 0.4413 0.1083 0.0838 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital by investing </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primarily in securities of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">companies that meet </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Fund’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">environmental, social </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and governance (ESG) </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">criteria.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Neuberger Berman AMT Sustainable Equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class S)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment Advisers LLC</span> 0.0116 0.2657 0.1369 0.0974 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks maximum real </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return, consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of real </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital and prudent </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">management.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">PIMCO VIT All Asset Portfolio, Advisor Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC (PIMCO)</span> 0.0229 0.0802 0.0590 0.0393 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return which </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exceeds that of a blend </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of 60% MSCI World </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Index/40% Barclays </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">U.S. Aggregate Index.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">PIMCO VIT Global Managed Asset Allocation </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio, Advisor Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC (PIMCO)</span> 0.0134 0.1285 0.0720 0.0514 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks maximum total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return, consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and prudent investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">management.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio, Advisor </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC (PIMCO)</span> 0.0085 0.0583 0.0098 0.0160 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Putnam VT Global Health Care Fund - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class IB Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">investment advisor. Though the investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">advisor has retained the services of both </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Investments Limited (PIL) and The </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC (PAC), PIL </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">and PAC do not currently manage any assets </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">of the fund.</span> 0.0101 0.0913 0.1348 0.1016 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital growth. </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Current income is a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">secondary objective.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Putnam VT International Value Fund - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class IB Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">investment advisor. Though the investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">advisor has retained the services of both </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Investments Limited (PIL) and The </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC (PAC), PIL </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">and PAC do not currently manage any assets </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">of the fund.</span> 0.0113 0.1868 0.0970 0.0388 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and current income.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Putnam VT Large Cap Value Fund - Class IB </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">investment advisor. Though the investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">advisor has retained the services of Putnam </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investments Limited (PIL), PIL does not </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">currently manage any assets.</span> 0.0082 0.1567 0.1450 0.1026 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Putnam VT Sustainable Future Fund - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class IB Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC. </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Though the investment advisor has retained </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">the services of Putnam Investments Limited </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(PIL), PIL does not currently manage any </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">assets.</span> 0.0107 0.2852 0.1228 0.0844 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Putnam VT Sustainable Leaders Fund - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class IB Shares</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">investment advisor. Though the investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">advisor has retained the services of Putnam </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investments Limited (PIL), PIL does not </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">currently manage any assets.</span> 0.0090 0.2611 0.1609 0.1259 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks high current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income, consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">with capital appreciation </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">as a secondary </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consideration. Under </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">normal market </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conditions, the fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">invests at least 80% of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">its net assets in debt </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">securities of any </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maturity.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Templeton Global Bond VIP Fund - Class 2</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc.</span> 0.0075 0.0288 -0.0213 -0.0066 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation by </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investing in common </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">stocks of gold-mining </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">companies. The Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">may take current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income into </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consideration when </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">choosing investments.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">VanEck VIP Global Gold Fund (Class S </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Shares)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Van Eck Associates Corporation</span> 0.0145 0.1041 0.0961 0.0461 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with an </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">aggressive level of risk.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Aggressive Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0105 0.1722 0.0919 0.0647 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conservative level of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">risk.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Conservative Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0088 0.0846 0.0266 0.0250 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Risk Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0102 0.1226 0.0514 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Risk U.S. Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0100 0.1454 0.0690 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Conservative Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0095 0.0787 0.0239 0.0233 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Conservative Growth Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0098 0.0998 0.0366 0.0305 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility Growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0102 0.1459 0.0634 0.0444 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Moderate Growth Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0099 0.1227 0.0507 0.0384 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">moderate level of risk.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Moderate Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0097 0.1296 0.0612 0.0463 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">moderately aggressive </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of risk.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Moderately Aggressive </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0101 0.1493 0.0756 0.0550 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">moderately conservative </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of risk.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Moderately Conservative </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0094 0.1050 0.0432 0.0354 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while conserving the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">value of the investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for the longest period of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">time.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Core Bond Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; J.P. Morgan Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management Inc. and Allspring Global </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investments, LLC, subadvisers.</span> 0.0073 0.0606 0.0112 0.0164 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Core Equity Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; J.P. Morgan Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management Inc. and T. Rowe Price </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Associates, Inc., subadvisers.</span> 0.0094 0.2443 0.1432 0.1019 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners International </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Core Equity Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Schroder Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management North America Inc., </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser; Schroder Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management North America Limited, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">sub-subadviser.</span> 0.0108 0.1734 0.0700 0.0245 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners International </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; William Blair Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, LLC and Walter Scott &amp; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Partners Limited, subadvisers.</span> 0.0110 0.1445 0.0737 0.0320 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners International </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Value Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Pzena Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, LLC and Thompson, Siegel &amp; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Walmsley LLC, subadvisers.</span> 0.0110 0.1696 0.0457 0.0175 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Small Cap </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Scout Investments, Inc. and </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Global Investments, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadvisers.</span> 0.0110 0.0693 0.0651 0.0447 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Small Cap Value </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Segall Bryant &amp; Hamill, LLC </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">and William Blair Investment Management, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, subadvisers.</span> 0.0106 0.1108 0.0821 0.0470 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - U.S. Flexible Conservative </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0096 0.1122 0.0390 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - U.S. Flexible Growth Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0094 0.1680 0.0667 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund’s </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - U.S. Flexible Moderate </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 2)</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0094 0.1387 0.0537 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Wanger Acorn</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Wanger Asset Management, LLC</span> 0.0095 0.2174 0.0751 0.0720 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Wanger International</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Wanger Asset Management, LLC</span> 0.0114 0.1695 0.0645 0.0350 <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to maximize total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return.</span> <span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Western Asset Variable Global High Yield </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Bond Portfolio - Class II</span> <span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Legg Mason Partners Fund Adviser, LLC; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Western Asset Management Company, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Western Asset Management Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Limited &amp; Western Asset Management Pte. </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Ltd., sub-advisors.</span> 0.0108 0.0996 0.0317 0.0263 <span style="color:#000000;font-family:Arial;font-size:13.02pt;">Funds Available Under the </span><span style="color:#000000;font-family:Arial;font-size:13.02pt;font-style:italic;">Enhanced Legacy</span><span style="color:#000000;font-family:Arial;font-size:13.02pt;"> Benefit</span><span style="color:#000000;font-family:Arial;font-size:13.02pt;line-height:13.950pt;"> </span><span style="font-family:Arial;font-size:9.30pt;">For contracts issued with the </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;">Enhanced Legacy</span><span style="font-family:Arial;font-size:9.30pt;"> Benefit, you are required to invest your contract value in the Portfolio Stabilizer and Portfolio Navigator funds listed below:</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1. Variable Portfolio – Managed Risk Fund (Class 2)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2. Variable Portfolio – Managed Risk U.S. Fund (Class 2)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">3. Variable Portfolio – Managed Volatility Growth Fund (Class 2)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">4. Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">5. Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">6. Variable Portfolio – Managed Volatility Conservative Fund (Class 2)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">7. Variable Portfolio – U.S. Flexible Growth Fund (Class 2)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">8. Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">9. Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="font-family:Arial;font-size:9.30pt;">The Portfolio Navigator funds* currently available are:</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="font-family:Arial;font-size:9.30pt;">1. Variable Portfolio – Conservative Portfolio (Class 2)</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="font-family:Arial;font-size:9.30pt;">2. Variable Portfolio – Moderate Conservative Portfolio (Class 2)</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="font-family:Arial;font-size:9.30pt;">3. Variable Portfolio – Moderate Portfolio (Class 2)</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="font-family:Arial;font-size:9.30pt;">4. Variable Portfolio – Moderately Aggressive Portfolio (Class 2)</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">*Available for application dates on or after 10/16/2023.</span><span style="font-family:Arial;font-size:7.44pt;line-height:9.00pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-transform:uppercase;">Example — ROPP Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Assumptions:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You purchase the contract with a payment of $25,000; and</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">During the second contract year the contract value falls to $22,000 and you take a $1,500 partial surrender; and</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">During the third contract year the contract value grows to $23,000.</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:9.75pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:465pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">We calculate the ROPP Death Benefit as follows:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td colspan="3" style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Top;width:465pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Contract value at death:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:12.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">23,000.00</span></div></div></div></td> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Top;width:465pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Purchase payments minus adjusted partial surrenders:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Total purchase payments:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">25,000.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">minus adjusted partial surrenders, calculated as:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$1,500 × $25,000</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:336pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">–1,704.54</span></div></div></div></td> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">$22,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for a death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:12.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">23,295.45</span></div></div></div></td> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.5pt;"> <td colspan="3" style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Top;width:465pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The ROPP Death Benefit, calculated as the greatest of these two values:</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">23,295.45</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-transform:uppercase;">Example — MAV Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Assumptions:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You purchase the contract with a payment of $25,000.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On the first contract anniversary the contract value grows to $26,000.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">During the second contract year the contract value falls to $22,000, at which point you take a $1,500 partial surrender, leaving a contract value of $20,500.</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:20.75pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:465pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">We calculate the MAV death benefit, which is based on the greater of three values,</span></div> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">as follows:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">1.</span></div></div></td> <td colspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Contract value at death:</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">20,500.00</span></div></div></div></td> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">2.</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purchase payments minus adjusted partial surrenders:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Total purchase payments:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">25,000.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">minus adjusted partial surrenders, calculated as:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$1,500 × $25,000</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:336pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">–1,704.55</span></div></div></div></td> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">$22,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for a death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:12.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">23,295.45</span></div></div></div></td> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Top;width:27pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">3.</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The MAV immediately preceding the date of death:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Greatest of your contract anniversary values:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">26,000.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">plus purchase payments made since the prior anniversary:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">+0.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">minus adjusted partial surrenders, calculated as:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$1,500 × $26,000</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:336pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">–1,772.73</span></div></div></div></td> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">$22,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for a death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:12.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">24,227.27</span></div></div></div></td> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:23.5pt;"> <td colspan="3" style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Top;width:465pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The MAV Death Benefit, calculated as the greatest of these three values,</span></div> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">which is the MAV:</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">24,227.27</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;text-transform:uppercase;">Example — 5-Year MAV Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Assumptions:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You purchase the contract with a payment of $25,000.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On the fifth contract anniversary the contract value grows to $26,000.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">During the sixth contract year the contract value falls to $22,000, at which point you take a $1,500 partial surrender, leaving a contract value at $20,500.</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:20.75pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:465pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">We calculate the 5-Year MAV death benefit, which is based on the greater of three values,</span></div> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">as follows:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="padding-bottom:3.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">1.</span></div></div></td> <td colspan="2" style="padding-bottom:3.75pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Contract value at death:</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">20,500.00</span></div></div></div></td> <td style="padding-bottom:3.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Top;width:27pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">2.</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purchase payments minus adjusted partial surrenders:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Total purchase payments:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">25,000.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">minus adjusted partial surrenders, calculated as:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="padding-bottom:3.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$1,500 × $25,000</span></div></div></td> <td rowspan="2" style="padding-bottom:3.75pt;padding-top:3pt;vertical-align:Middle;width:336pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">–1,704.55</span></div></div></div></td> <td style="padding-bottom:3.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">$22,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for a death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:12.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">23,295.45</span></div></div></div></td> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Top;width:27pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">3.</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The 5-Year MAV immediately preceding the date of death:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Greatest of your contract anniversary values:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">26,000.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">plus purchase payments made since the prior anniversary:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">+0.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">minus adjusted partial surrenders, calculated as:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$1,500 × $26,000</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:336pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">–1,772.73</span></div></div></div></td> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">$22,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for a death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:12.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">24,227.27</span></div></div></div></td> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:23.5pt;"> <td colspan="3" style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Top;width:465pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The 5-Year MAV Death Benefit, calculated as the greatest of these three values,</span></div> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">which is the 5-Year MAV:</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">24,227.27</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Example — Benefit Protector</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Assumptions:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You purchase the contract with a payment of $100,000 and you are under age 70. You select the MAV and the Benefit Protector.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit, which is the contract value, or $105,000. You have not reached the first contract anniversary so the Benefit Protector does not provide any additional benefit at this time.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On the first contract anniversary the contract value grows to $110,000. The death benefit equals:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:10.25pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">MAV death benefit amount (contract value):</span></div></div></td> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:10.2300pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="display:flex;white-space:nowrap;width:47.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:47.0pt;">110,000</span></div></div></div></td></tr> <tr style="height:24.75pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">plus the Benefit Protector which equals 40% of earnings at death (MAV death benefit amount minus </span></div> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">remaining purchase payments):</span></div></div></td> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="display:flex;white-space:nowrap;width:47.0pt;"> </div></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4.75pt;padding-top:3.5pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.40 × ($110,000 – $100,000) =</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3.5pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:10.3000pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:47.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:47.0pt;">+4,000</span></div></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Total death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:12.3000pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:47.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:47.0pt;">114,000</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On the second contract anniversary the contract value falls to $105,000. The death benefit equals:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:10.25pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">MAV death benefit amount (maximum anniversary value):</span></div></div></td> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:10.2300pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="display:flex;white-space:nowrap;width:47.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:47.0pt;">110,000</span></div></div></div></td></tr> <tr style="height:13.75pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">plus the Benefit Protector (40% of earnings at death):</span></div></div></td> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="display:flex;white-space:nowrap;width:47.0pt;"> </div></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4.75pt;padding-top:3.5pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.40 × ($110,000 – $100,000) =</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3.5pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:10.3000pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:47.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:47.0pt;">+4,000</span></div></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Total death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:12.3000pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:47.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:47.0pt;">114,000</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">During the third contract year the contract value remains at $105,000 and you request a partial surrender of $50,000. We calculate remaining purchase payments as $100,000 – $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:9.75pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:486.0pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="display:flex;white-space:nowrap;width:41.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:68pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$110,000 –</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:107.4pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial;font-size:9.30pt;">($50,000 X $110,000)</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:310.6pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt;"> <div style="line-height:10.2300pt;margin-left:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="display:flex;white-space:nowrap;width:41.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:41.0pt;">57,619</span></div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:107.4pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">$105,000</span></div></div></td></tr> <tr style="height:10.75pt;"> <td colspan="3" style="padding-bottom:2.5pt;padding-top:3pt;vertical-align:Middle;width:486.0pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">plus the Benefit Protector (40% of earnings at death):</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="display:flex;white-space:nowrap;width:41.0pt;"> </div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:11pt;"> <td colspan="3" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:486.0pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.40 × ($57,619 – $55,000) =</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:42pt;"> <div style="line-height:10.3000pt;margin-left:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:41.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:41.0pt;">+1,048</span></div></div></div></td></tr> <tr style="height:15.5pt;"> <td colspan="3" style="padding-bottom:2.5pt;padding-top:4.25pt;vertical-align:Middle;width:486.0pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Total death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:42pt;"> <div style="line-height:12.3000pt;margin-left:3pt;text-align:right;width:39pt;"> <div style="display:flex;margin:auto;width:41.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:41.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:41.0pt;">58,667</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $58,667. The reduction in contract value has no effect.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of remaining purchase payments that are one or more years old. The death benefit equals:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:10.25pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">MAV death benefit amount (contract value):</span></div></div></td> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:10.2300pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="display:flex;white-space:nowrap;width:47.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:47.0pt;">200,000</span></div></div></div></td></tr> <tr style="height:13.75pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">plus the Benefit Protector (40% of earnings at death)</span></div></div></td> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="display:flex;white-space:nowrap;width:47.0pt;"> </div></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4.75pt;padding-top:3.5pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.40 × 2.50 × ($55,000) =</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3.5pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:10.3000pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:47.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:47.0pt;">+55,000</span></div></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:1.5pt;padding-top:4.75pt;vertical-align:Bottom;width:480pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Total death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:48pt;"> <div style="line-height:12.3000pt;margin-left:3pt;text-align:right;width:45pt;"> <div style="display:flex;margin:auto;width:47.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:47.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:47.0pt;">255,000</span></div></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Example – </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Enhanced Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;"> Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Assumptions:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You purchase the contract with a payment of $25,000; and</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">on the first contract anniversary the total contract value is $25,750; and</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">100 days into the second contract year the total contract value is $24,300. You take a $1,500 partial surrender, leaving the contract value at $22,800. The partial year fee for the Enhanced Legacy Benefit on that day would be $64.10 ($24,629.63 x 0.95% x 100 / 365).</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;"> <tr style="height:9.75pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:465pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The death benefit, which is based on the greatest of four values, is calculated as follows:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:24.5pt;"> <td style="padding-bottom:3.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">1.</span></div></div></td> <td colspan="2" style="padding-bottom:3.75pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Contract value death benefit (contract value minus rider fees):$22,800.00 - $64.10 = </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">$22,735.90</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">22,735.90</span></div></div></div></td> <td style="padding-bottom:3.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Top;width:27pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">2.</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purchase payments minus adjusted partial surrenders:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Total purchase payments:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">25,000.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">minus adjusted partial surrenders, calculated as:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$1,500 × $25,000</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:336pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">–1,543.21</span></div></div></div></td> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">$24,300</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for a death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:12.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">23,456.79</span></div></div></div></td> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Top;width:27pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">3.</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The MAV immediately preceding the date of death:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The MAV on the immediately preceding anniversary:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">25,750.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">plus purchase payments made since that anniversary:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">+0.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">minus adjusted partial surrenders, calculated as:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$1,500 × $25,750</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:336pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">–1,589.51</span></div></div></div></td> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">$24,300</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for a death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:12.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">24,160.49</span></div></div></div></td> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Top;width:27pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">4.</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The Accumulation Death Benefit value:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.75pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The ADB value on the first contract anniversary calculated as: 1.05 × $25,000 =</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">26,250.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">plus purchase payments made since that anniversary:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">+0.00</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:12.75pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">minus adjusted partial surrender calculated as:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$1,500 × $26,250</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:336pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">–1,620.37</span></div></div></div></td> <td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:102pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;">$24,300</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Top;width:27pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="2" style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;width:438pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for a death benefit of:</span></div></div></td> <td style="padding-bottom:1.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:12.3000pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="border-bottom:1.5pt groove #000000;display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:56.0pt;">24,629.63</span></div></div></div></td> <td style="padding-bottom:4.75pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:14.5pt;"> <td colspan="3" style="vertical-align:Top;width:465pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"> </div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr> <tr style="height:21.75pt;"> <td colspan="3" style="padding-bottom:1.5pt;padding-top:3pt;vertical-align:Top;width:465pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Enhanced Legacy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;"> Benefit, calculated as the greatest of these four values, which is the </span></div> <div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Accumulation Death Benefit value:</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:60pt;"> <div style="line-height:10.2300pt;margin-left:3pt;margin-right:3pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:56.0pt;"> <div style="display:flex;white-space:nowrap;width:56.0pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;width:56.0pt;">24,629.63</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:3pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;"> <div style="display:flex;margin:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td></tr></table>