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SEPARATE ACCOUNT-III <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:522pt;"> <tr style="height:auto;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees </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:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses </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:10pt;font-weight:bold;margin-left:0.0pt;">(annual charges)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:325pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">The table below describes the fees and expenses that you may pay </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:10pt;margin-left:0.0pt;">each year, depending on the options you choose. Please refer 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:10pt;margin-left:0.0pt;">Policy Data Page for information about the specific fees you will pay </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:10pt;margin-left:0.0pt;">each year based on the options you have elected. The fees and </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:10pt;margin-left:0.0pt;">expenses do not reflect any Advisory Fees paid to the Investment </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:10pt;margin-left:0.0pt;">Adviser. If such fees were reflected, the fees and expenses disclosed </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:10pt;margin-left:0.0pt;">below would be higher.</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES 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:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS – </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:10pt;font-weight:bold;margin-left:0.0pt;">Annual Policy </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:10pt;font-weight:bold;margin-left:0.0pt;">Expenses; Annual </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:10pt;font-weight:bold;margin-left:0.0pt;">Portfolio Expenses, </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:10pt;font-weight:bold;margin-left:0.0pt;">Optional 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:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:30.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base contract</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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">0.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">0.40%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS – </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">0.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">1.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS – </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional benefits available for an </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">additional charge (for a single </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">optional benefit, if elected)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">0.80%</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">4</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS – </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:164pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As an annualized percentage of daily Accumulation Value.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As a percentage of average net Portfolio assets. Fees and expenses </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">are for the year ended December 31, 2023 and will change from year to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">year.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The minimum fee reflects the current charge for the Annual Death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Rider, calculated as an annualized percentage of the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed under the rider. The maximum fee reflects the current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charge for the IPR, calculated as a percentage of the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed under the IPR.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> If you elect the IPR and cancel it, take a withdrawal in excess of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Free Withdrawal Amount or surrender the policy within the first </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">three Policy Years, the IPR Termination and Withdrawal Charge could </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">substantially increase costs.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;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:522pt;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Because your policy is customizable, the choices you make affect how </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:10pt;margin-left:0.0pt;">much you will pay. To help you understand the cost of owning your </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:10pt;margin-left:0.0pt;">policy, the following table shows the lowest and highest cost you could </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:10pt;margin-left:0.0pt;">pay </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that </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:10pt;margin-left:0.0pt;">you do not take withdrawals from the policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOWEST ANNUAL COST:</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">$753.18</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">$2,391.04</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-52pt;"> </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:522pt;"> <tr style="height:auto;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Least expensive combination 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:10pt;margin-left:9.0pt;">Base Contract Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and </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:10pt;margin-left:9.0pt;">Portfolio fees and expenses</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advisory </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:10pt;margin-left:9.0pt;">Fees</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional 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:10pt;margin-left:9.0pt;">payments, transfers or </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:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:160pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Most expensive combination 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:10pt;margin-left:9.0pt;">Base Contract Charges, and </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:10pt;margin-left:9.0pt;">Portfolio fees and expenses</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advisory </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:10pt;margin-left:9.0pt;">Fees</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional 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:10pt;margin-left:9.0pt;">payments, transfers or </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:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;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;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:87.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(annual charges)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Top;width:325pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The table below describes the fees and expenses that you may pay </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">each year, depending on the options you choose. Please refer to your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Data Page for information about the specific fees you will pay </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">each year based on the options you have elected. The fees and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses do not reflect any Advisory Fees paid to the Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser. If such fees were reflected, the fees and expenses disclosed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">below would be higher.</span></div></div></td> <td style="padding-bottom:3pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses; Annual </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Portfolio Expenses; </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</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:522pt;"> <tr style="height:30.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">MINIMUM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">MAXIMUM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Base contract</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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.30</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.40</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS – </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </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:10pt;margin-left:0.0pt;">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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.42</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS – </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Optional benefits available for an </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:10pt;margin-left:0.0pt;">additional charge (for a single </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:10pt;margin-left:0.0pt;">optional benefit, if elected)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">See Rate Sheet </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">See Rate Sheet </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Supplement</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">4</span> <div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS – </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional 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:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:171.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As an annualized percentage of daily Variable Accumulation Value</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As a percentage of average net Portfolio assets. The range in fees </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and expenses is for the year ended December 31, 2023 and will </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">change from year to year.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> The minimum fee reflects the current charge for the Annual Death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit Rider, calculated as an annualized percentage of the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed under the rider. The maximum fee reflects the current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charge for the IPR, calculated as a percentage of the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed under the IPR.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> If you elect the IPR and cancel it, take a withdrawal in excess of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Free Withdrawal Amount or surrender the policy within the first </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">three Policy Years, the IPR Termination and Withdrawal Charge could </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">substantially increase costs.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;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:522pt;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Because your policy is customizable, the choices you make affect how </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:10pt;margin-left:0.0pt;">much you will pay. To help you understand the cost of owning 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:10pt;margin-left:0.0pt;">policy, the following table shows the lowest and highest cost you could </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:10pt;margin-left:0.0pt;">pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that </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:10pt;margin-left:0.0pt;">you do not take withdrawals from the policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOWEST ANNUAL COST:</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-52pt;"> </span></div></div></td></tr> <tr style="height:149.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Least expensive combination 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:10pt;margin-left:9.0pt;">Base Contract Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and </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:10pt;margin-left:9.0pt;">Portfolio fees and expenses</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No optional benefits</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advisory </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:10pt;margin-left:9.0pt;">Fees</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional 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:10pt;margin-left:9.0pt;">payments, transfers or </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:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Most expensive combination 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:10pt;margin-left:9.0pt;">Base Contract Charges, </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:10pt;margin-left:9.0pt;">optional benefits, and Portfolio </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:10pt;margin-left:9.0pt;">fees and expenses</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advisory </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:10pt;margin-left:9.0pt;">Fees</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional 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:10pt;margin-left:9.0pt;">payments, transfers or </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:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> 0.0030 0.0040 0.0038 0.0142 0.0025 0.0080 <span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As an annualized percentage of daily Accumulation Value.</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As an annualized percentage of daily Variable Accumulation Value</span> <span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As a percentage of average net Portfolio assets. Fees and expenses </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">are for the year ended December 31, 2023 and will change from year to </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">year.</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As a percentage of average net Portfolio assets. The range in fees </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and expenses is for the year ended December 31, 2023 and will </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">change from year to year.</span> <span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The minimum fee reflects the current charge for the Annual Death </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Rider, calculated as an annualized percentage of the amount </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed under the rider. The maximum fee reflects the current </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charge for the IPR, calculated as a percentage of the amount </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed under the IPR.</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> The minimum fee reflects the current charge for the Annual Death </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit Rider, calculated as an annualized percentage of the amount </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed under the rider. The maximum fee reflects the current </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charge for the IPR, calculated as a percentage of the amount </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed under the IPR.</span> <span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> If you elect the IPR and cancel it, take a withdrawal in excess of the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Free Withdrawal Amount or surrender the policy within the first </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">three Policy Years, the IPR Termination and Withdrawal Charge could </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">substantially increase costs.</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> If you elect the IPR and cancel it, take a withdrawal in excess of the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Free Withdrawal Amount or surrender the policy within the first </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">three Policy Years, the IPR Termination and Withdrawal Charge could </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">substantially increase costs.</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:522pt;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Because your policy is customizable, the choices you make affect how </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:10pt;margin-left:0.0pt;">much you will pay. To help you understand the cost of owning your </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:10pt;margin-left:0.0pt;">policy, the following table shows the lowest and highest cost you could </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:10pt;margin-left:0.0pt;">pay </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that </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:10pt;margin-left:0.0pt;">you do not take withdrawals from the policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOWEST ANNUAL COST:</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">$753.18</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">$2,391.04</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-52pt;"> </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:522pt;"> <tr style="height:auto;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Least expensive combination 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:10pt;margin-left:9.0pt;">Base Contract Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and </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:10pt;margin-left:9.0pt;">Portfolio fees and expenses</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advisory </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:10pt;margin-left:9.0pt;">Fees</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional 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:10pt;margin-left:9.0pt;">payments, transfers or </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:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:160pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Most expensive combination 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:10pt;margin-left:9.0pt;">Base Contract Charges, and </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:10pt;margin-left:9.0pt;">Portfolio fees and expenses</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advisory </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:10pt;margin-left:9.0pt;">Fees</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional 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:10pt;margin-left:9.0pt;">payments, transfers or </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:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;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:522pt;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Because your policy is customizable, the choices you make affect how </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:10pt;margin-left:0.0pt;">much you will pay. To help you understand the cost of owning 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:10pt;margin-left:0.0pt;">policy, the following table shows the lowest and highest cost you could </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:10pt;margin-left:0.0pt;">pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that </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:10pt;margin-left:0.0pt;">you do not take withdrawals from the policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOWEST ANNUAL COST:</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-52pt;"> </span></div></div></td></tr> <tr style="height:149.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Least expensive combination 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:10pt;margin-left:9.0pt;">Base Contract Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and </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:10pt;margin-left:9.0pt;">Portfolio fees and expenses</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No optional benefits</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advisory </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:10pt;margin-left:9.0pt;">Fees</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional 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:10pt;margin-left:9.0pt;">payments, transfers or </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:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Most expensive combination 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:10pt;margin-left:9.0pt;">Base Contract Charges, </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:10pt;margin-left:9.0pt;">optional benefits, and Portfolio </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:10pt;margin-left:9.0pt;">fees and expenses</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advisory </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:10pt;margin-left:9.0pt;">Fees</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional 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:10pt;margin-left:9.0pt;">payments, transfers or </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:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> 753.18 2391.04 <span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">ANNUAL CHARGES FOR IPR</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The current charge for the IPR for policies with an application signed on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024 is as follows:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed under the IPR, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">IPR GUARANTEE PERCENTAGES</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The IPR Guarantee Percentages currently applicable for determining the Guaranteed Amount under the IPR for policies with an application signed on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024 are:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:18.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:382.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Guarantee Percentage</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">90%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">110%</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">ANNUAL CHARGES FOR IPR RESET ELECTIONS</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The current charge for the IPR Reset elections with a Rider Reset Effective Date on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR if you elect an IPR Reset</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed under the IPR, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Annual Policy Expenses</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Base Policy Charges (Without Optional Benefits)</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-3.75pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">As an annualized percentage of daily Variable Accumulation Value. This charge is reduced to 0.35% if, on a Policy Monthly Anniversary, your Accumulation Value is greater than or equal to $500,000 but less than $1,000,000 and 0.30% if your Accumulation Value is greater than or equal to $1,000,000. This charge will remain in effect until the subsequent Policy Monthly Anniversary. See “CHARGES AND DEDUCTIONS- Annual Policy Expenses - Base Contract Charges” for additional information.</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Optional Benefit Expenses</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The following table applies to Optional Benefits currently available for purchase: (Policies with an application </span><span style="font-family:Arial;font-size:10pt;">signed on or after </span><span style="font-family:Arial;font-size:10pt;">May 1, 2024</span><span style="font-family:Arial;font-size:10pt;">)*</span><span style="font-family:Arial;font-size:1pt;"> </span><span style="font-family:Arial;font-size:9pt;">*</span><span style="font-family:Arial;font-size:9pt;">For Annual Charges for IPR for policies with applications signed on or before April</span><span style="font-family:Arial;font-size:9pt;line-height:11pt;"> </span><span style="font-family:Arial;font-size:9pt;">30, 2024, see APPENDIX 3.</span><span style="color:#000000;font-family:Arial;font-size:9pt;">**</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The 7 Year-Holding Period is only available with applications signed on or after </span><span style="color:#000000;font-family:Arial;font-size:9pt;">November 13, 2023</span><span style="color:#000000;font-family:Arial;font-size:9pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">HISTORICAL CHARGES AND VALUES FOR CERTAIN OPTIONAL BENEFITS</span> <span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">ANNUAL CHARGES FOR IPR</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The current charge for the IPR for policies with an application signed on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024 is as follows:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed under the IPR, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">IPR GUARANTEE PERCENTAGES</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The IPR Guarantee Percentages currently applicable for determining the Guaranteed Amount under the IPR for policies with an application signed on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024 are:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:18.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:382.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Guarantee Percentage</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">90%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">110%</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">ANNUAL CHARGES FOR IPR RESET ELECTIONS</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The current charge for the IPR Reset elections with a Rider Reset Effective Date on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR if you elect an IPR Reset</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed under the IPR, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0%;text-transform:uppercase;">Table Of Fees And Expenses</span> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;text-align:left;top:12pt;width:522pt;"/><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:12pt;">The following tables describe the fees and expenses that you will pay when buying, owning, making </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">withdrawals from, or surrendering the policy. Please refer to your Policy Data Page for information about the specific fees you will pay each year based on the options you have elected. The tables do not include any Advisory Fees that will be paid from the policy’s Accumulation Value or, in New York, from the policyowner’s assets outside of the policy. If such charges were included, your fees and expenses would be higher.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:12pt;">The first table describes the fees and expenses that you will pay at the time that you buy the policy, or </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">transfer Accumulation Value between investment options. State premium taxes may also be deducted.</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:29.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Other Transaction Charges</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Guaranteed</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Maximum Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transfer Fee (charged for transfers in excess of 25 in a policy year)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">30</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">0</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Payments Returned for Insufficient Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">20</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">0</span></div></div></td></tr> <tr style="height:26.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Termination and Withdrawal Charge (calculated as a percentage of the </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Guaranteed Amount that exceeds the IPR Free Withdrawal Amount)*</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-3.75pt;">*</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Applies during the first three Policy Years and is assessed if the policy owner (i) cancels the IPR; (ii) surrenders the policy; and/or (iii) takes a partial withdrawal in excess of the IPR Free Withdrawal Amount. For variations to the IPR Termination and Withdrawal Charge and IPR Free Withdrawal Amount applicable to policies issued in New York, see APPENDIX 2 – State Variations.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The next table describes the fees and expenses that you will pay each year during the time that you own the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(not including Portfolio fees and expenses or Advisory Fees). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Annual Policy Expenses</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Base Policy Charges (Without Optional Benefits)</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:29.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Guaranteed</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Maximum Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Contract Charges</span><span style="color:#000000;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-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.40</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.40</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-3.75pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">As an annualized percentage of daily Variable Accumulation Value. This charge is reduced to 0.35% if, on a Policy Monthly Anniversary, your Accumulation Value is greater than or equal to $500,000 but less than $1,000,000 and 0.30% if your Accumulation Value is greater than or equal to $1,000,000. This charge will remain in effect until the subsequent Policy Monthly Anniversary. See “CHARGES AND DEDUCTIONS- Annual Policy Expenses - Base Contract Charges” for additional information.</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Optional Benefit Expenses</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The following table applies to Optional Benefits currently available for purchase: (Policies with an application </span><span style="font-family:Arial;font-size:10pt;">signed on or after </span><span style="font-family:Arial;font-size:10pt;">May 1, 2024</span><span style="font-family:Arial;font-size:10pt;">)*</span><span style="font-family:Arial;font-size:1pt;"> </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:522pt;"> <tr style="height:29.5pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Guaranteed</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td rowspan="6" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:202.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for the IPR</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the IPR Guaranteed Amount, deducted on a </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">quarterly basis)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">7 Year Holding Period**</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td rowspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">See Rate Sheet </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Prospectus </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Supplement for </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Current Charges</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:20.83pt;"> <td rowspan="6" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:202.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge if you elect an IPR Reset </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with a Rider Reset Effective Date on or </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">May 1, 2024</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the IPR Guaranteed Amount, deducted on a </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">quarterly basis; charge is determined based </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">on Rider Reset Effective Date and not </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">based on the application signature date or </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the date on which a Rider Reset was </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">requested)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td rowspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">See Rate Sheet </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Prospectus </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Supplement for </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Current Charges</span></div></div></td></tr> <tr style="height:20.83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:20.83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:20.83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:20.83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:20.83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:70.5pt;"> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Death Benefit Reset Rider (ADBR) Charge</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the ADBR Reset Value as of </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the last Policy Anniversary (or as of the Policy Date if within the first Policy </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Year), deducted on a quarterly basis).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.25</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:9pt;">*</span><span style="font-family:Arial;font-size:9pt;">For Annual Charges for IPR for policies with applications signed on or before April</span><span style="font-family:Arial;font-size:9pt;line-height:11pt;"> </span><span style="font-family:Arial;font-size:9pt;">30, 2024, see APPENDIX 3.</span><span style="color:#000000;font-family:Arial;font-size:9pt;">**</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The 7 Year-Holding Period is only available with applications signed on or after </span><span style="color:#000000;font-family:Arial;font-size:9pt;">November 13, 2023</span><span style="color:#000000;font-family:Arial;font-size:9pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The next table shows the minimum and maximum total operating expenses charged by the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolios that you may pay periodically during the time that you own the policy. The expenses may be higher or lower in the future. A complete list of Portfolios available under the policy, including their annual expenses, may be found in APPENDIX 1A.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:18.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from the Portfolio assets, including </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses.</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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Before fee waivers and expense reimbursements</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.42%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">After fee waivers and expense reimbursements</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-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.28%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.38%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:9pt;">1</span><span style="font-family:Arial;font-size:9pt;">Shown as a percentage of average net assets for the fiscal year ended December 31, 2023.</span><span style="font-family:Arial;font-size:9pt;">2</span><span style="font-family:Arial;font-size:9pt;">Fee waivers and expense reimbursements are expected to continue through April 30, 2025 and may be terminated at any time thereafter at the option of the Portfolio company.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">HISTORICAL CHARGES AND VALUES FOR CERTAIN OPTIONAL BENEFITS</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charges for the Investment Preservation Rider for policies with an application signed on or before </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;-sec-ix-hidden:ce8569af-9ff7-43d6-b55b-978768c32f17">April 30, </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">2024</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">, </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">are as follows:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the IPR, deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The following applies for elections of an IPR Reset with the Rider Reset Effective Date on or before </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;-sec-ix-hidden:x_176ca14b-bce3-4bba-9578-d01510e7c851">April 30, </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">2024</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the IPR, deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.55</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The IPR Guarantee Amount Percentages for policies with an application signed on or before April 30, 2023 are:</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:30.5pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:522.0pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;text-transform:uppercase;">IPR Guarantee Percentages</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Percentage</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The IPR Guarantee Amount Percentages for policies with an application signed on or after May 1, 2023 and on or before April</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">30, 2024:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:30.5pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:522.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;text-transform:uppercase;">IPR Guarantee Percentages</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Percentage</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">90%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr></table> 0.0080 0.0070 0.0070 0.0060 0.0055 0.0050 0.0080 0.0070 0.0070 0.0060 0.0055 0.0050 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:31.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES AND EXPENSES</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:132pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We do not assess any early withdrawal charges on the base contract.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If, however, you purchase the IPR, you will be assessed an IPR </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Termination and Withdrawal Charge if you surrender your policy within </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the first </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">three</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Policy Years. The maximum charge is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of the IPR </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed Amount that exceeds the IPR Free Withdrawal Amount. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For example, if your IPR Guaranteed Amount is $100,000 and you </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender your policy within the first three Policy Years, you could pay </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">an IPR Termination and Withdrawal Charge of $</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1,600.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. For the IPR </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Termination and Withdrawal Charge applicable to policies issued in </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York, see APPENDIX 2 – State Variations in the Prospectus.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses – IPR </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Termination and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal Charge </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">– Policy Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">within the first 3 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Years</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:103pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We reserve the right to assess a transaction charge if you transfer cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">value between investment options more than 25 times a year, or if a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payment is returned for insufficient funds. Although we do not </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">currently charge for such transactions, we reserve the right to charge </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">up to $30 per transaction. If you elect the IPR, you will be assessed an </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Termination and Withdrawal Charge if you (i) cancel the IPR; </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) surrender the policy; and/or (iii) take a partial withdrawal in excess </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">of the IPR Free Withdrawal Amount during the first three Policy Years.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</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;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:87.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(annual charges)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Top;width:325pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The table below describes the fees and expenses that you may pay </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">each year, depending on the options you choose. Please refer to your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Data Page for information about the specific fees you will pay </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">each year based on the options you have elected. The fees and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses do not reflect any Advisory Fees paid to the Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adviser. If such fees were reflected, the fees and expenses disclosed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">below would be higher.</span></div></div></td> <td style="padding-bottom:3pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses; Annual </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Portfolio Expenses; </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</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:522pt;"> <tr style="height:30.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">MINIMUM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">MAXIMUM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Base contract</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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.30</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.40</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS – </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </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:10pt;margin-left:0.0pt;">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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.42</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS – </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Optional benefits available for an </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:10pt;margin-left:0.0pt;">additional charge (for a single </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:10pt;margin-left:0.0pt;">optional benefit, if elected)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">See Rate Sheet </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">See Rate Sheet </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Supplement</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">4</span> <div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS – </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional 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:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:171.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As an annualized percentage of daily Variable Accumulation Value</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As a percentage of average net Portfolio assets. The range in fees </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and expenses is for the year ended December 31, 2023 and will </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">change from year to year.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> The minimum fee reflects the current charge for the Annual Death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit Rider, calculated as an annualized percentage of the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed under the rider. The maximum fee reflects the current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charge for the IPR, calculated as a percentage of the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed under the IPR.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> If you elect the IPR and cancel it, take a withdrawal in excess of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Free Withdrawal Amount or surrender the policy within the first </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">three Policy Years, the IPR Termination and Withdrawal Charge could </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">substantially increase costs.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;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:522pt;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Because your policy is customizable, the choices you make affect how </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:10pt;margin-left:0.0pt;">much you will pay. To help you understand the cost of owning 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:10pt;margin-left:0.0pt;">policy, the following table shows the lowest and highest cost you could </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:10pt;margin-left:0.0pt;">pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that </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:10pt;margin-left:0.0pt;">you do not take withdrawals from the policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOWEST ANNUAL COST:</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-52pt;"> </span></div></div></td></tr> <tr style="height:149.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Least expensive combination 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:10pt;margin-left:9.0pt;">Base Contract Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and </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:10pt;margin-left:9.0pt;">Portfolio fees and expenses</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No optional benefits</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advisory </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:10pt;margin-left:9.0pt;">Fees</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional 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:10pt;margin-left:9.0pt;">payments, transfers or </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:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Most expensive combination 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:10pt;margin-left:9.0pt;">Base Contract Charges, </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:10pt;margin-left:9.0pt;">optional benefits, and Portfolio </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:10pt;margin-left:9.0pt;">fees and expenses</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advisory </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:10pt;margin-left:9.0pt;">Fees</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional 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:10pt;margin-left:9.0pt;">payments, transfers or </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:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:132pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We do not assess any early withdrawal charges on the base contract.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If, however, you purchase the IPR, you will be assessed an IPR </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Termination and Withdrawal Charge if you surrender your policy within </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the first </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">three</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Policy Years. The maximum charge is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of the IPR </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed Amount that exceeds the IPR Free Withdrawal Amount. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For example, if your IPR Guaranteed Amount is $100,000 and you </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender your policy within the first three Policy Years, you could pay </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">an IPR Termination and Withdrawal Charge of $</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1,600.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. For the IPR </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Termination and Withdrawal Charge applicable to policies issued in </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York, see APPENDIX 2 – State Variations in the Prospectus.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses – IPR </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Termination and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal Charge </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">– Policy Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">within the first 3 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Years</span></div></div></td></tr></table> 3 0.02 1600.00 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:103pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We reserve the right to assess a transaction charge if you transfer cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">value between investment options more than 25 times a year, or if a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payment is returned for insufficient funds. Although we do not </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">currently charge for such transactions, we reserve the right to charge </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">up to $30 per transaction. If you elect the IPR, you will be assessed an </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Termination and Withdrawal Charge if you (i) cancel the IPR; </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) surrender the policy; and/or (iii) take a partial withdrawal in excess </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">of the IPR Free Withdrawal Amount during the first three Policy Years.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES AND </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">DEDUCTIONS - </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div></div></td></tr></table> 0.0030 0.0040 0.0038 0.0142 <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:522pt;"> <tr style="height:31.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr> <tr style="height:19pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Risk of Loss</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">You can lose money by investing in this policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span></div></div></td></tr> <tr style="height:135.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Not a Short-Term</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:10pt;font-weight:bold;margin-left:0.0pt;">Investment</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">This policy is not designed for short-term investing and may not be </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:10pt;margin-left:0.0pt;">appropriate for an investor who readily needs access to cash. 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:10pt;margin-left:0.0pt;">benefits of tax deferral and living benefit protections also mean 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:10pt;margin-left:0.0pt;">policy is more beneficial to investors with a long time horizon. If 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:10pt;margin-left:0.0pt;">elect the IPR, you will not receive a benefit under the rider unless 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:10pt;margin-left:0.0pt;">hold the policy for at least the specified Holding Period applicable to 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:10pt;margin-left:0.0pt;">rider. Moreover, if you withdraw more than the IPR Free Withdrawal </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:10pt;margin-left:0.0pt;">Amount (not including withdrawals to pay Advisory Fees in states other </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:10pt;margin-left:0.0pt;">than New York) within the first three Policy Years, you will incur an IPR </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:10pt;margin-left:0.0pt;">Termination and Withdrawal Charge, which could substantially increase </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:10pt;margin-left:0.0pt;">your costs under the Policy.</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:115.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks Associated</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">An investment in this policy is subject to the risk of poor investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">performance and can vary depending on the performance of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">variable investment options you choose and the crediting rate of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">DCA Advantage Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Each investment option and the DCA Advantage Account has its own </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">unique risks.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You should review the prospectuses for the available </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolios and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the description in this prospectus of the DCA Advantage Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">before making an investment decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span></div></div></td></tr> <tr style="height:91pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Company</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">An investment in the policy is subject to the risks related to NYLIAC, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">including that any obligations, including with respect to the DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account, guarantees, and benefits of the policy are subject </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to the claims-paying ability of NYLIAC. If NYLIAC experiences financial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">distress, it may not be able to meet its obligations to you. More </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">information about NYLIAC is available upon request from NYLIAC by </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">calling 1-800-598-2019.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this policy.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This policy is not designed for short-term investing and may not be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who readily needs access to cash. The </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefits of tax deferral and living benefit protections also mean the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy is more beneficial to investors with a long time horizon. If you </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">elect the IPR, you will not receive a benefit under the rider unless you </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">hold the policy for at least the specified Holding Period applicable to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">rider. Moreover, if you withdraw more than the IPR Free Withdrawal </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount (not including withdrawals to pay Advisory Fees in states other </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">than New York) within the first three Policy Years, you will incur an IPR </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Termination and Withdrawal Charge, which could substantially increase </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your costs under the Policy.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">An investment in this policy is subject to the risk of poor investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">performance and can vary depending on the performance of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">variable investment options you choose and the crediting rate of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">DCA Advantage Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Each investment option and the DCA Advantage Account has its own </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">unique risks.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You should review the prospectuses for the available </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolios and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the description in this prospectus of the DCA Advantage Account </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">before making an investment decision.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">An investment in the policy is subject to the risks related to NYLIAC, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">including that any obligations, including with respect to the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account, guarantees, and benefits of the policy are subject </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to the claims-paying ability of NYLIAC. If NYLIAC experiences financial </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">distress, it may not be able to meet its obligations to you. More </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">information about NYLIAC is available upon request from NYLIAC by </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">calling 1-800-598-2019.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">We limit the number of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions you may choose. You </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may allocate premium payments to up to 18 separate Investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Divisions.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">If you elect the IPR, your investment options will be limited to those </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">permitted by the rider. See APPENDIX 1B and 1C.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">We reserve the right to charge $30 for each transfer when you </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">transfer money between Investment Divisions in excess of 25 times in </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Year.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">We reserve the right to limit transfers in circumstances of frequent </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">transfers or to prevent market timing.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">We reserve the right to remove, close or substitute Portfolios as </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">investment options that are available under the policy.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">If you elect certain optional benefits, you can only make premium </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payments during your first Policy Year or after the rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">holding period </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">end date</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Certain optional benefits limit or restrict the investment options you </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may select under the policy. We may change these restrictions in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">future.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Certain optional benefits may limit withdrawals or other rights under </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Under certain benefits, a withdrawal could reduce the value of a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit by more than the dollar amount of the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You are required to have a minimum </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value for some </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">optional benefits.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Some optional benefits cannot be cancelled without surrendering </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">your policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The amount of the death benefit available under certain optional </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefits may vary depending on the date of death. Certain optional </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefits may offer a lesser death benefit at issue and require that the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy be held for a minimum waiting period before the greater death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit will be payable. If you die before the end of the minimum </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">waiting period, the death benefit will be less than the greater death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit available after the minimum waiting period. Additionally, where </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">there is a reset of certain optional benefit riders, a new minimum </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">waiting period will be required before the greater death benefit will be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payable. If you die before the end of the new minimum waiting </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">period, the death benefit may be less than the greater death benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">available after the new minimum waiting period.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Consult with a tax professional to determine the tax implications of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">an investment in, withdrawals from and surrenders of this policy, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">including withdrawals to pay Advisory Fees.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">If you purchase the policy through a tax-qualified plan or individual </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">retirement account (IRA), such plan or IRA already provides tax </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">deferral under the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Code and there are fees and charges in an annuity </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">that may not be included in such other investments. Therefore, the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">tax deferral of the annuity does not provide additional benefits.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Premiums that are made on a pre-tax basis as well as earnings on </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">your policy are taxed at ordinary income tax rates when you withdraw </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">them, and you may have to pay a 10% penalty tax if you take a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawal before age 59 ½.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After you purchase the policy, the Investment Adviser will receive </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">compensation in the form of Advisory Fees, some of which the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Adviser will pay to your investment adviser representative. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your investment adviser representative will also receive other </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">compensation provided by NYLIAC. Given that a recommendation of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">this policy allows your investment adviser representative to earn other </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">forms of compensation which may not be available in connection with </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">other investments, the Investment Adviser and your investment adviser </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">representative may have a financial incentive to offer or recommend </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">this policy over other investments.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your investment adviser representative may have a financial incentive </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to offer you a new policy in place of the one you own because an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">exchange will result in compensation for the Investment Adviser in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">form of Advisory Fees, some of which will be paid to your investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">adviser representative. Your investment adviser representative will also </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receive other compensation provided by NYLIAC. You should only </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">consider exchanging your policy if you determine, after comparing the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">features, fees, and risks of both policies, that it is in your best interest </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to purchase the new policy rather than continue to own your existing </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy.</span> <span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-3.75pt;">*</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Applies during the first three Policy Years and is assessed if the policy owner (i) cancels the IPR; (ii) surrenders the policy; and/or (iii) takes a partial withdrawal in excess of the IPR Free Withdrawal Amount. For variations to the IPR Termination and Withdrawal Charge and IPR Free Withdrawal Amount applicable to policies issued in New York, see APPENDIX 2 – State Variations.</span> 30 0 20 0 0.0200 0.0200 <span style="color:#000000;font-family:Arial;font-size:9pt;">Applies during the first three Policy Years and is assessed if the policy owner (i) cancels the IPR; (ii) surrenders the policy; and/or (iii) takes a partial withdrawal in excess of the IPR Free Withdrawal Amount. For variations to the IPR Termination and Withdrawal Charge and IPR Free Withdrawal Amount applicable to policies issued in New York, see APPENDIX 2 – State Variations.</span> 0.0040 0.0040 <span style="color:#000000;font-family:Arial;font-size:9pt;">As an annualized percentage of daily Variable Accumulation Value. This charge is reduced to 0.35% if, on a Policy Monthly Anniversary, your Accumulation Value is greater than or equal to $500,000 but less than $1,000,000 and 0.30% if your Accumulation Value is greater than or equal to $1,000,000. This charge will remain in effect until the subsequent Policy Monthly Anniversary. See “CHARGES AND DEDUCTIONS- Annual Policy Expenses - Base Contract Charges” for additional information.</span> 2024-05-01 0.0200 0.0200 0.0150 0.0150 0.0150 0.0150 2024-05-01 0.0200 0.0200 0.0150 0.0150 0.0150 0.0150 0.0100 0.0025 2023-11-13 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The next table shows the minimum and maximum total operating expenses charged by the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolios that you may pay periodically during the time that you own the policy. The expenses may be higher or lower in the future. A complete list of Portfolios available under the policy, including their annual expenses, may be found in APPENDIX 1A.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:18.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from the Portfolio assets, including </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses.</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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Before fee waivers and expense reimbursements</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.42%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">After fee waivers and expense reimbursements</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-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.28%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.38%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:9pt;">1</span><span style="font-family:Arial;font-size:9pt;">Shown as a percentage of average net assets for the fiscal year ended December 31, 2023.</span><span style="font-family:Arial;font-size:9pt;">2</span><span style="font-family:Arial;font-size:9pt;">Fee waivers and expense reimbursements are expected to continue through April 30, 2025 and may be terminated at any time thereafter at the option of the Portfolio company.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from the Portfolio assets, including </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses.</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> 0.0038 0.0142 <span style="font-family:Arial;font-size:9pt;">Shown as a percentage of average net assets for the fiscal year ended December 31, 2023.</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:16.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:302.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> </span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:219.98pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Years</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:302.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:50.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">1 yr</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:56.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">3 yr</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:56.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">5 yr</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:57.51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">10 yr</span></div></div></td></tr> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:1.625pt;vertical-align:Bottom;width:302.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">If you surrender your policy at the end of the applicable time </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">period:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:1.625pt;vertical-align:Bottom;width:50.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$4,496.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:1.625pt;vertical-align:Bottom;width:56.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$10,425.69</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:1.625pt;vertical-align:Bottom;width:56.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$14,947.77</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:1.625pt;vertical-align:Bottom;width:57.51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$31,168.90</span></div></div></td></tr></table> 4496.00 10425.69 14947.77 31168.90 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Bottom;width:302.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">If you annuitize at the end of the applicable time period:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Bottom;width:50.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$4,496.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Bottom;width:56.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$8,825.69</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Bottom;width:56.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$14,947.77</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Bottom;width:57.51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$31,168.90</span></div></div></td></tr></table> 4496.00 8825.69 14947.77 31168.90 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Bottom;width:302.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">If you do not surrender your policy:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Bottom;width:50.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$2,896.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Bottom;width:56.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$8,825.69</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Bottom;width:56.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$14,947.77</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Bottom;width:57.51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">$31,168.90</span></div></div></td></tr></table> 2896.00 8825.69 14947.77 31168.90 <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0%;text-transform:uppercase;">Principal Risks</span> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;text-align:left;top:12pt;width:522pt;"/><span style="color:#000000;font-family:Arial;font-size:10pt;">This section is intended to summarize the principal risks of investing in the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Poor Investment Performance.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can lose money by investing in this policy, including loss of principal. An investment in this policy is subject to the risk of poor investment performance and can vary depending on the performance of the Allocation Options chosen. You bear the risk of any decline in your policy’s value resulting from the performance of the Portfolios you have chosen. Amounts allocated to a Portfolio are subject to the risks inherent in the securities markets and, specifically, to price fluctuations in the Portfolio’s investments. Each investment option has its own unique risks. For more information about the risks of investing in a particular Portfolio, see that Portfolio's prospectus which can be found online at https://dfinview.com/NewYorkLife/TAHD/premieradvisory. You can also request this information at no cost by calling your investment adviser representative, contacting NYLIAC at 1-800-598-2019 or by sending an email request with your name and mailing address to PremierAdvisoryProspectus@newyorklife.com. You should review the prospectuses for the available Portfolios before making an investment decision.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Liquidity Risk.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. If you need to make early or excess withdrawals, they could substantially reduce or even terminate the benefits available under the policy. There may be adverse tax consequences if you make early withdrawals under the policy. In addition, if you purchase the IPR, you may be subject to an IPR Termination and Withdrawal Charge if you make withdrawals in excess of the IPR Free Withdrawal Amount in the first three Policy Years. The benefits of tax deferral and the policy’s living benefit protections also mean the policy is better for investors with a long time horizon.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Conditions to Policy Benefits.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Certain benefits under the policy are contingent on several conditions being met. If those conditions are not met you may not realize a benefit from the policy or the optional benefits for which you have been charged a fee. For example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may need to take early or excess withdrawals which have the potential to substantially reduce the Standard Death Benefit available under the policy. Withdrawals (excluding withdrawals to pay Advisory Fees in states other than New York), could reduce the value of the Standard Death Benefit by more than the dollar amount of the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR requires that you hold the policy for a certain number of years (the Holding Period) in order to receive an adjustment to your Accumulation Value, if applicable. If you surrender your policy before the Holding Period is over, you will not receive a benefit under the rider, and you will be assessed an IPR Termination and Withdrawal Charge if the surrender occurs within the first three Policy Years, which can significantly increase your costs under the policy. If you take withdrawals during the Holding Period (not including withdrawals to pay Advisory Fees in states other than New York), the benefit provided by the IPR will be reduced proportionally by any such withdrawals, even if such withdrawals are within the IPR Free Withdrawal Amount. If your Accumulation Value is less than the IPR Guaranteed Amount at the time the withdrawal is requested, the reduction in your Guaranteed Amount will be greater than the dollar amount withdrawn. Please note that such withdrawals will also be subject to an IPR Termination and Withdrawal Charge if they are made within the first three Policy Years and exceed the IPR Free Withdrawal Amount. Accordingly, under certain circumstances, a withdrawal could reduce the value of the IPR Guaranteed Amount by more than the dollar amount of the withdrawal </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">and</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> you may have to pay an extra charge for it. See “CHARGES AND DEDUCTIONS—Transaction Expenses—IPR Termination and Withdrawal Charge” for an example demonstrating when such circumstances could occur. In addition, if you purchase the IPR, you will only be allowed to allocate your premium payments to certain Allocation Options and the DCA Advantage Account, or you will be limited in the amount you can allocate to the Investment Divisions (based on certain thresholds for Asset Allocation Categories).</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit that is payable under the IPR may require that you hold the policy for a certain period of time before the IPR Death Benefit that is payable equals the Guaranteed Amount. If you die prior to the end of that required waiting period, the IPR Death Benefit will be equal to your first policy year premiums less any proportional withdrawals. Additionally, if you elect an IPR Reset, a new waiting period will begin before the Guaranteed Amount is payable as the IPR Death Benefit. If you die prior to the end of the new applicable </span><span style="color:#000000;font-family:Arial;font-size:10pt;">waiting period, the IPR Death Benefit will be equal to the Accumulation Value as of the Rider Reset Effective Date less any proportional withdrawals. (See DESCRIPTION OF BENEFITS – IPR for more information on IPR Death Benefit calculations.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Annual Death Benefit Reset Rider only provides a benefit if your policy value increases over time. In addition, withdrawals (excluding withdrawals to pay Advisory Fees in states other than New York) will reduce the value of the benefits in proportion to the amount of the withdrawal relative to the total policy value at the time of the withdrawal. If your Accumulation Value is less than the amount guaranteed by the ADBR at the time the withdrawal is requested, the reduction in the death benefit guaranteed by the rider will be greater than the dollar amount withdrawn.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Alternatives to the Policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Other policies or investments may provide more favorable returns or benefits than the policy and may have lower fees and expenses. This policy may not be appropriate for investors who do not wish to have ongoing investment advice and monitoring services from the Investment Adviser.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Investment Restrictions.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We limit the number of Investment Divisions you may choose. You may allocate premium payments to up to 18 separate Investment Divisions, as well as the DCA Advantage Account.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We reserve the right to limit transfers, and we reserve the right to charge $30 for each transfer when you transfer </span><span style="color:#000000;font-family:Arial;font-size:10pt;">money to or from the Investment Divisions more than 25 times in a Policy Year. We also reserve the right to terminate certain policy features such as dollar cost averaging and automatic asset rebalancing.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We may impose limits on the minimum and maximum amounts that you may invest in the policy or other transaction </span><span style="color:#000000;font-family:Arial;font-size:10pt;">limits that may limit your use of the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">In addition, we reserve the right to remove Investment Divisions or substitute Portfolios as investment options that </span><span style="color:#000000;font-family:Arial;font-size:10pt;">are available under the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you elect the IPR, there are restrictions that limit the investments that you may choose. Amounts invested in </span><span style="color:#000000;font-family:Arial;font-size:10pt;">accordance with those restrictions may earn a return that is less than the return you might have earned on those amounts in other Investment Divisions had you not been subject to any investment restrictions. See APPENDIX 1B and 1C for a list of the investment options available with the IPR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Potentially Harmful Transfer Activity.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy is not designed as a vehicle for market timing. Accordingly, your ability to make transfers among the Investment Divisions under the policy is subject to limitation if we determine, in our sole opinion, that the exercise of that privilege may disadvantage or potentially hurt the rights or interests of other policyowners. We have limitations and restrictions on transfer activity, which we apply to all owners of the policy without exception. (See “THE POLICIES–Limits on Transfers” for more information.) We cannot guarantee that these limitations and restrictions will be effective in detecting and preventing all transfer activity that could potentially disadvantage or hurt the rights or interests of other policyowners. Potentially harmful transfer activity could result in reduced performance results for one or more Investment Divisions, due to among other things:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolio management decisions driven by the need to maintain higher than normal liquidity or the inability to sustain an investment objective;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Increased administrative and Fund brokerage expenses; and/or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Dilution of the interests of long-term investors.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A Portfolio may reject any order from us if it suspects potentially harmful transfer activity, thereby preventing us </span><span style="color:#000000;font-family:Arial;font-size:10pt;">from implementing your Request for a transfer. (See “THE POLICIES–Limits on Transfers” for more information on the risks of frequent trading.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fees and Charges.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Deduction of policy fees and charges (including withdrawals to pay Advisory Fees in states other than New York), and optional benefit fees, may result in loss of principal. We reserve the right to increase the fees and charges under the policy and optional benefits up to the maximum guaranteed fees and charges stated on your Policy Data Page.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">DCA Advantage Account Rates.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The crediting rate that we declare for the DCA Advantage Account may be lower than what you would find acceptable. In addition, your investment adviser representative will charge you an Advisory </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Fee with respect to assets allocated to the DCA Advantage Account. Such fees will effectively reduce the amount of interest you earn on such amounts.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Adverse Tax Consequences.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">There are a number of tax risks that may arise in connection with purchasing the policy. These risks include: (1) the possibility that the Internal Revenue Service (“IRS”) may interpret the rules that apply to variable annuities in a manner that could result in you being treated as the owner of your policy’s pro rata portion of the assets of the Separate Account; (2) the possibility that the IRS may take the position that the policy does not qualify as an annuity for federal tax purposes resulting in the loss of favorable tax treatment accorded your policy; and (3) the possibility of a change in the present federal income tax laws that apply to your policy, or of the current interpretations by the IRS, which may change from time to time without notice, and could have retroactive effects regardless of the date of enactment or publication, as the case may be.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Currently, we require you to pay Advisory Fees directly from your policy’s Accumulation Value in states other than </span><span style="color:#000000;font-family:Arial;font-size:10pt;">New York. See APPENDIX 2 State Variations for information about payment of the Advisory Fee in New York. These Advisory Fees are in addition to policy fees and expenses described in this prospectus. These withdrawals will reduce your Accumulation Value by the amount withdrawn, may reduce your Standard Death Benefit and other optional benefits, and although we do not consider them to be taxable withdrawals, the IRS and state taxing authorities could disagree and these withdrawals may be subject to federal and state income taxes and a 10% federal penalty tax. See “FEDERAL TAX MATTERS—Payment of Investment Advisory Fees” for more information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Company Risks.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any obligations, guarantees, and benefits of the policy are subject to the claims-paying ability of NYLIAC. If NYLIAC experiences financial distress, it may not be able to meet its obligations to you. More information about NYLIAC is available upon request from NYLIAC by calling 1-800-598-2019.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risks Affecting our Administration of Your Policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLIAC’s business activity and operations, and/or the activities and operations of our service providers and business partners, are subject to certain risks, including, those resulting from information systems failures, cyberattack/ransomware, or current or future outbreaks of infectious diseases, viruses (including COVID-19), epidemics or pandemics (“serious infectious disease outbreaks”). These risks are common to all insurers and financial service providers and may materially impact our ability to administer the policy (and to keep policyowner information confidential). (See the SAI “ADDITIONAL INFORMATION ABOUT RISKS (Non-Principal Risks)” for more information.)</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Poor Investment Performance.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can lose money by investing in this policy, including loss of principal. An investment in this policy is subject to the risk of poor investment performance and can vary depending on the performance of the Allocation Options chosen. You bear the risk of any decline in your policy’s value resulting from the performance of the Portfolios you have chosen. Amounts allocated to a Portfolio are subject to the risks inherent in the securities markets and, specifically, to price fluctuations in the Portfolio’s investments. Each investment option has its own unique risks. For more information about the risks of investing in a particular Portfolio, see that Portfolio's prospectus which can be found online at https://dfinview.com/NewYorkLife/TAHD/premieradvisory. You can also request this information at no cost by calling your investment adviser representative, contacting NYLIAC at 1-800-598-2019 or by sending an email request with your name and mailing address to PremierAdvisoryProspectus@newyorklife.com. You should review the prospectuses for the available Portfolios before making an investment decision.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Liquidity Risk.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. If you need to make early or excess withdrawals, they could substantially reduce or even terminate the benefits available under the policy. There may be adverse tax consequences if you make early withdrawals under the policy. In addition, if you purchase the IPR, you may be subject to an IPR Termination and Withdrawal Charge if you make withdrawals in excess of the IPR Free Withdrawal Amount in the first three Policy Years. The benefits of tax deferral and the policy’s living benefit protections also mean the policy is better for investors with a long time horizon.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Conditions to Policy Benefits.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Certain benefits under the policy are contingent on several conditions being met. If those conditions are not met you may not realize a benefit from the policy or the optional benefits for which you have been charged a fee. For example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may need to take early or excess withdrawals which have the potential to substantially reduce the Standard Death Benefit available under the policy. Withdrawals (excluding withdrawals to pay Advisory Fees in states other than New York), could reduce the value of the Standard Death Benefit by more than the dollar amount of the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR requires that you hold the policy for a certain number of years (the Holding Period) in order to receive an adjustment to your Accumulation Value, if applicable. If you surrender your policy before the Holding Period is over, you will not receive a benefit under the rider, and you will be assessed an IPR Termination and Withdrawal Charge if the surrender occurs within the first three Policy Years, which can significantly increase your costs under the policy. If you take withdrawals during the Holding Period (not including withdrawals to pay Advisory Fees in states other than New York), the benefit provided by the IPR will be reduced proportionally by any such withdrawals, even if such withdrawals are within the IPR Free Withdrawal Amount. If your Accumulation Value is less than the IPR Guaranteed Amount at the time the withdrawal is requested, the reduction in your Guaranteed Amount will be greater than the dollar amount withdrawn. Please note that such withdrawals will also be subject to an IPR Termination and Withdrawal Charge if they are made within the first three Policy Years and exceed the IPR Free Withdrawal Amount. Accordingly, under certain circumstances, a withdrawal could reduce the value of the IPR Guaranteed Amount by more than the dollar amount of the withdrawal </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">and</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> you may have to pay an extra charge for it. See “CHARGES AND DEDUCTIONS—Transaction Expenses—IPR Termination and Withdrawal Charge” for an example demonstrating when such circumstances could occur. In addition, if you purchase the IPR, you will only be allowed to allocate your premium payments to certain Allocation Options and the DCA Advantage Account, or you will be limited in the amount you can allocate to the Investment Divisions (based on certain thresholds for Asset Allocation Categories).</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit that is payable under the IPR may require that you hold the policy for a certain period of time before the IPR Death Benefit that is payable equals the Guaranteed Amount. If you die prior to the end of that required waiting period, the IPR Death Benefit will be equal to your first policy year premiums less any proportional withdrawals. Additionally, if you elect an IPR Reset, a new waiting period will begin before the Guaranteed Amount is payable as the IPR Death Benefit. If you die prior to the end of the new applicable </span><span style="color:#000000;font-family:Arial;font-size:10pt;">waiting period, the IPR Death Benefit will be equal to the Accumulation Value as of the Rider Reset Effective Date less any proportional withdrawals. (See DESCRIPTION OF BENEFITS – IPR for more information on IPR Death Benefit calculations.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Annual Death Benefit Reset Rider only provides a benefit if your policy value increases over time. In addition, withdrawals (excluding withdrawals to pay Advisory Fees in states other than New York) will reduce the value of the benefits in proportion to the amount of the withdrawal relative to the total policy value at the time of the withdrawal. If your Accumulation Value is less than the amount guaranteed by the ADBR at the time the withdrawal is requested, the reduction in the death benefit guaranteed by the rider will be greater than the dollar amount withdrawn.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Alternatives to the Policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Other policies or investments may provide more favorable returns or benefits than the policy and may have lower fees and expenses. This policy may not be appropriate for investors who do not wish to have ongoing investment advice and monitoring services from the Investment Adviser.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Investment Restrictions.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We limit the number of Investment Divisions you may choose. You may allocate premium payments to up to 18 separate Investment Divisions, as well as the DCA Advantage Account.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We reserve the right to limit transfers, and we reserve the right to charge $30 for each transfer when you transfer </span><span style="color:#000000;font-family:Arial;font-size:10pt;">money to or from the Investment Divisions more than 25 times in a Policy Year. We also reserve the right to terminate certain policy features such as dollar cost averaging and automatic asset rebalancing.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We may impose limits on the minimum and maximum amounts that you may invest in the policy or other transaction </span><span style="color:#000000;font-family:Arial;font-size:10pt;">limits that may limit your use of the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">In addition, we reserve the right to remove Investment Divisions or substitute Portfolios as investment options that </span><span style="color:#000000;font-family:Arial;font-size:10pt;">are available under the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you elect the IPR, there are restrictions that limit the investments that you may choose. Amounts invested in </span><span style="color:#000000;font-family:Arial;font-size:10pt;">accordance with those restrictions may earn a return that is less than the return you might have earned on those amounts in other Investment Divisions had you not been subject to any investment restrictions. See APPENDIX 1B and 1C for a list of the investment options available with the IPR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Potentially Harmful Transfer Activity.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy is not designed as a vehicle for market timing. Accordingly, your ability to make transfers among the Investment Divisions under the policy is subject to limitation if we determine, in our sole opinion, that the exercise of that privilege may disadvantage or potentially hurt the rights or interests of other policyowners. We have limitations and restrictions on transfer activity, which we apply to all owners of the policy without exception. (See “THE POLICIES–Limits on Transfers” for more information.) We cannot guarantee that these limitations and restrictions will be effective in detecting and preventing all transfer activity that could potentially disadvantage or hurt the rights or interests of other policyowners. Potentially harmful transfer activity could result in reduced performance results for one or more Investment Divisions, due to among other things:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolio management decisions driven by the need to maintain higher than normal liquidity or the inability to sustain an investment objective;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Increased administrative and Fund brokerage expenses; and/or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Dilution of the interests of long-term investors.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A Portfolio may reject any order from us if it suspects potentially harmful transfer activity, thereby preventing us </span><span style="color:#000000;font-family:Arial;font-size:10pt;">from implementing your Request for a transfer. (See “THE POLICIES–Limits on Transfers” for more information on the risks of frequent trading.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fees and Charges.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Deduction of policy fees and charges (including withdrawals to pay Advisory Fees in states other than New York), and optional benefit fees, may result in loss of principal. We reserve the right to increase the fees and charges under the policy and optional benefits up to the maximum guaranteed fees and charges stated on your Policy Data Page.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">DCA Advantage Account Rates.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The crediting rate that we declare for the DCA Advantage Account may be lower than what you would find acceptable. In addition, your investment adviser representative will charge you an Advisory </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Fee with respect to assets allocated to the DCA Advantage Account. Such fees will effectively reduce the amount of interest you earn on such amounts.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Adverse Tax Consequences.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">There are a number of tax risks that may arise in connection with purchasing the policy. These risks include: (1) the possibility that the Internal Revenue Service (“IRS”) may interpret the rules that apply to variable annuities in a manner that could result in you being treated as the owner of your policy’s pro rata portion of the assets of the Separate Account; (2) the possibility that the IRS may take the position that the policy does not qualify as an annuity for federal tax purposes resulting in the loss of favorable tax treatment accorded your policy; and (3) the possibility of a change in the present federal income tax laws that apply to your policy, or of the current interpretations by the IRS, which may change from time to time without notice, and could have retroactive effects regardless of the date of enactment or publication, as the case may be.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Currently, we require you to pay Advisory Fees directly from your policy’s Accumulation Value in states other than </span><span style="color:#000000;font-family:Arial;font-size:10pt;">New York. See APPENDIX 2 State Variations for information about payment of the Advisory Fee in New York. These Advisory Fees are in addition to policy fees and expenses described in this prospectus. These withdrawals will reduce your Accumulation Value by the amount withdrawn, may reduce your Standard Death Benefit and other optional benefits, and although we do not consider them to be taxable withdrawals, the IRS and state taxing authorities could disagree and these withdrawals may be subject to federal and state income taxes and a 10% federal penalty tax. See “FEDERAL TAX MATTERS—Payment of Investment Advisory Fees” for more information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Company Risks.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any obligations, guarantees, and benefits of the policy are subject to the claims-paying ability of NYLIAC. If NYLIAC experiences financial distress, it may not be able to meet its obligations to you. More information about NYLIAC is available upon request from NYLIAC by calling 1-800-598-2019.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risks Affecting our Administration of Your Policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLIAC’s business activity and operations, and/or the activities and operations of our service providers and business partners, are subject to certain risks, including, those resulting from information systems failures, cyberattack/ransomware, or current or future outbreaks of infectious diseases, viruses (including COVID-19), epidemics or pandemics (“serious infectious disease outbreaks”). These risks are common to all insurers and financial service providers and may materially impact our ability to administer the policy (and to keep policyowner information confidential). (See the SAI “ADDITIONAL INFORMATION ABOUT RISKS (Non-Principal Risks)” for more information.)</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0%;text-transform:uppercase;">Benefits Available Under The Policies</span> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;text-align:left;top:12pt;width:522pt;"/><span style="color:#000000;font-family:Arial;font-size:10pt;">The following tables summarize information about the benefits available under the policy.</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">STANDARD DEATH BENEFIT</span> <br/><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;">(automatically included with the policy)</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:170.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Guarantees 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:10pt;margin-left:0.0pt;">beneficiaries will receive a </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:10pt;margin-left:0.0pt;">benefit at least equal to 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:10pt;margin-left:0.0pt;">greatest of: (i) 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:10pt;margin-left:0.0pt;">Accumulation Value or (ii) 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:10pt;margin-left:0.0pt;">Return of Premium 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:10pt;margin-left:0.0pt;">Benefit.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">No</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> additional charge</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals, other than </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:10pt;margin-left:9.0pt;">those made to pay </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:10pt;margin-left:9.0pt;">Advisory Fees, could </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:10pt;margin-left:9.0pt;">significantly 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:10pt;margin-left:9.0pt;">benefit (possibly by an </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:10pt;margin-left:9.0pt;">amount substantially </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:10pt;margin-left:9.0pt;">greater than the actual </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:10pt;margin-left:9.0pt;">amount withdrawn).</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals to pay </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:10pt;margin-left:9.0pt;">Advisory Fees (in states </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:10pt;margin-left:9.0pt;">other than New York) 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:10pt;margin-left:9.0pt;">reduce your Accumulation </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:10pt;margin-left:9.0pt;">Value on a dollar for dollar </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:10pt;margin-left:9.0pt;">basis.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">OPTIONAL DEATH BENEFITS AVAILABLE FOR A FEE</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:302.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Annual 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:10pt;font-weight:bold;margin-left:0.0pt;">Benefit Reset </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:10pt;font-weight:bold;margin-left:0.0pt;">(ADBR) Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Provides a new locked-in </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:10pt;margin-left:0.0pt;">higher death benefit each </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:10pt;margin-left:0.0pt;">year from the Policy </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:10pt;margin-left:0.0pt;">Date(“Reset Anniversary”), if </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:10pt;margin-left:0.0pt;">your investments increase in </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:10pt;margin-left:0.0pt;">value.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Maximum Charge: </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">(Charge calculated as an </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:10pt;margin-left:0.0pt;">annualized percentage of 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:10pt;margin-left:0.0pt;">ADBR Reset Value as of 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:10pt;margin-left:0.0pt;">last Policy Anniversary (or as </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:10pt;margin-left:0.0pt;">of the Policy Date if within </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:10pt;margin-left:0.0pt;">the first Policy Year), </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:10pt;margin-left:0.0pt;">deducted quarterly)</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </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:10pt;margin-left:9.0pt;">of application.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Resets will continue on </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:10pt;margin-left:9.0pt;">Reset Anniversaries until </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:10pt;margin-left:9.0pt;">the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Owner(or Annuitant 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:10pt;margin-left:9.0pt;">the Owner is not a natural </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:10pt;margin-left:9.0pt;">person) is age 85.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals, other than </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:10pt;margin-left:9.0pt;">those made to pay </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:10pt;margin-left:9.0pt;">Advisory Fees (in states </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:10pt;margin-left:9.0pt;">other than New York), </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:10pt;margin-left:9.0pt;">could significantly reduce </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:10pt;margin-left:9.0pt;">the benefit (possibly by an </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:10pt;margin-left:9.0pt;">amount substantially </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:10pt;margin-left:9.0pt;">greater than the actual </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:10pt;margin-left:9.0pt;">amount withdrawn).</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals to pay </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:10pt;margin-left:9.0pt;">Advisory Fees (in states </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:10pt;margin-left:9.0pt;">other than New York) 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:10pt;margin-left:9.0pt;">reduce your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation </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:10pt;margin-left:9.0pt;">Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on a dollar-for-dollar </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:10pt;margin-left:9.0pt;">basis.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot cancel the rider </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:10pt;margin-left:9.0pt;">without surrendering 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:10pt;margin-left:9.0pt;">policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The rider is not 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:10pt;margin-left:9.0pt;">for Inherited </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Qualified </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:10pt;margin-left:9.0pt;">policies</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:578.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">IPR – Advisory </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:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">A death benefit that is </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:10pt;margin-left:0.0pt;">available if you purchase 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:10pt;margin-left:0.0pt;">IPR. The IPR guarantees </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:10pt;margin-left:0.0pt;">that your beneficiaries will </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:10pt;margin-left:0.0pt;">receive the greater of: (i) 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:10pt;margin-left:0.0pt;">Standard Death Benefit; </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:10pt;margin-left:0.0pt;">(ii) any death benefit </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:10pt;margin-left:0.0pt;">available under any other </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:10pt;margin-left:0.0pt;">rider attached to your policy; </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:10pt;margin-left:0.0pt;">or (iii) the IPR Death Benefit.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Maximum Charge: </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">(as an annualized </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:10pt;margin-left:0.0pt;">percentage of the 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:10pt;margin-left:0.0pt;">that is guaranteed)</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </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:10pt;margin-left:9.0pt;">of application.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The IPR Death Benefit that </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:10pt;margin-left:9.0pt;">is payable under the IPR </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:10pt;margin-left:9.0pt;">may require that the Owner </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:10pt;margin-left:9.0pt;">hold the policy for 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:10pt;margin-left:9.0pt;">minimum waiting period </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:10pt;margin-left:9.0pt;">before the IPR Death </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:10pt;margin-left:9.0pt;">Benefit equals 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:10pt;margin-left:9.0pt;">Guaranteed Amount under </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:10pt;margin-left:9.0pt;">the IPR. If the Owner dies </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:10pt;margin-left:9.0pt;">prior to the end of that </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:10pt;margin-left:9.0pt;">required waiting period, 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:10pt;margin-left:9.0pt;">IPR Death Benefit will 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:10pt;margin-left:9.0pt;">equal to the first policy year </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:10pt;margin-left:9.0pt;">premiums less any </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:10pt;margin-left:9.0pt;">proportional 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:10pt;margin-left:9.0pt;">(See 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:10pt;margin-left:9.0pt;">BENEFITS – IPR for more </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:10pt;margin-left:9.0pt;">information on IPR Death </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:10pt;margin-left:9.0pt;">Benefit calculations.)</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Similarly, if an IPR Reset is </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:10pt;margin-left:9.0pt;">elected, a new waiting </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:10pt;margin-left:9.0pt;">period, as applicable, 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:10pt;margin-left:9.0pt;">begin before 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:10pt;margin-left:9.0pt;">Guaranteed Amount is </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:10pt;margin-left:9.0pt;">payable as the IPR Death </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:10pt;margin-left:9.0pt;">Benefit. If the Owner dies </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:10pt;margin-left:9.0pt;">prior to the end of the new </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:10pt;margin-left:9.0pt;">applicable waiting period, </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:10pt;margin-left:9.0pt;">the IPR Death Benefit 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:10pt;margin-left:9.0pt;">be equal to 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:10pt;margin-left:9.0pt;">Accumulation Value as 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:10pt;margin-left:9.0pt;">the Rider Reset Effective </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:10pt;margin-left:9.0pt;">Date less any proportional </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:10pt;margin-left:9.0pt;">withdrawals.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only payable if 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:10pt;margin-left:9.0pt;">Owner’s spouse does 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:10pt;margin-left:9.0pt;">elect to continue the policy </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:10pt;margin-left:9.0pt;">pursuant to its spousal </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:10pt;margin-left:9.0pt;">continuance option. If 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:10pt;margin-left:9.0pt;">Owner’s spouse elects 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:10pt;margin-left:9.0pt;">continue the policy, the IPR </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:10pt;margin-left:9.0pt;">will continue and the IPR </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:10pt;margin-left:9.0pt;">Death Benefit will not 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:10pt;margin-left:9.0pt;">paid.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">See the next table </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:10pt;margin-left:9.0pt;">“OPTIONAL LIVING </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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:122.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:9.0pt;">BENEFITS 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:10pt;margin-left:9.0pt;">FOR A FEE—IPR – </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:10pt;margin-left:9.0pt;">Advisory” for more </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:10pt;margin-left:9.0pt;">information about 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:10pt;margin-left:9.0pt;">restrictions and limitations </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:10pt;margin-left:9.0pt;">applicable to the IPR.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Not available in certain </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:10pt;margin-left:9.0pt;">jurisdictions. See </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:10pt;margin-left:9.0pt;">APPENDIX 2 – State </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:10pt;margin-left:9.0pt;">Variations</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">OPTIONAL LIVING BENEFITS AVAILABLE FOR A FEE</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">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:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:434.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">IPR - Advisory</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Protects a percentage 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:10pt;margin-left:0.0pt;">your investment from loss for </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:10pt;margin-left:0.0pt;">a specified Holding Period. If, </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:10pt;margin-left:0.0pt;">after a specified Holding </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:10pt;margin-left:0.0pt;">Period, your Accumulation </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:10pt;margin-left:0.0pt;">Value is less than the amount </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:10pt;margin-left:0.0pt;">guaranteed, we will make 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:10pt;margin-left:0.0pt;">one-time increase to your </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:10pt;margin-left:0.0pt;">Accumulation Value to make </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:10pt;margin-left:0.0pt;">it equal to the IPR </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:10pt;margin-left:0.0pt;">Guaranteed Amount.</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">You may request to reset 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:10pt;margin-left:0.0pt;">IPR Guaranteed Amount (an </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:10pt;margin-left:0.0pt;">IPR Reset) under certain </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:10pt;margin-left:0.0pt;">circumstances.</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">In most jurisdictions, includes </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:10pt;margin-left:0.0pt;">an IPR Death Benefit which </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:10pt;margin-left:0.0pt;">is payable upon the death 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:10pt;margin-left:0.0pt;">the Owner if the Owner’s </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:10pt;margin-left:0.0pt;">spouse does not elect 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:10pt;margin-left:0.0pt;">continue the policy.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Maximum Charge: </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.00</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">(as an annualized </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:10pt;margin-left:0.0pt;">percentage of the amount </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:10pt;margin-left:0.0pt;">that is guaranteed)</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">Maximum IPR Termination </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:10pt;margin-left:0.0pt;">and Withdrawal Charge: </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:10pt;margin-left:0.0pt;">2.00</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%. (For the Termination </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:10pt;margin-left:0.0pt;">and Withdrawal Charge </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:10pt;margin-left:0.0pt;">Percentage applicable in </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:10pt;margin-left:0.0pt;">New York, see APPENDIX 2 </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:10pt;margin-left:0.0pt;">– State Variations.)</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of application.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You should not select this </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">rider unless you intend 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:10pt;margin-left:9.0pt;">keep the policy for at least </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">as long as the Holding </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Period you’ve selected.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">This rider provides no </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit if you surrender 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:10pt;margin-left:9.0pt;">policy before the end of 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:10pt;margin-left:9.0pt;">Holding Period.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Restricts the availability 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:10pt;margin-left:9.0pt;">certain investment options.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Premium payments are </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">only permitted (a) in 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:10pt;margin-left:9.0pt;">first Policy Year or (b) 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:10pt;margin-left:9.0pt;">a specified Holding Period.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals, other than </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">those taken to pay </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advisory Fees in states </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">other than New York, could </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">significantly 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:10pt;margin-left:9.0pt;">benefit (possibly by an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">amount substantially </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">greater than the actual </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">amount withdrawn). During </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the first three Policy Years, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">if you take a withdrawal in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">excess of the IPR Free </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Withdrawal Amount, you </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">will incur an IPR </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Termination and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Withdrawal Charge.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Deductions to pay Advisory </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Fees (in states other than </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">New York) will reduce your </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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">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:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:242.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:9.0pt;">Accumulation Value on a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">dollar-for-dollar basis.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">An IPR Reset starts a new </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Holding Period. New </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">annual charges and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Termination and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Withdrawal Charges may </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">apply after you elect an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">IPR Reset.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">IPR Reset rights may 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:10pt;margin-left:9.0pt;">suspended or discontinued </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and are subject to age </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">limits</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available to policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">owners aged 75 or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">younger.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The rider is not available </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">for Inherited IRA, Inherited </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Roth IRA, or Inherited </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Non-Qualified policies.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">OTHER OPTIONAL BENEFITS INCLUDED WITH ALL POLICIES AT NO ADDITIONAL COST</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Automatic 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:10pt;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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Automatically rebalances </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:10pt;margin-left:0.0pt;">your Variable Accumulation </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:10pt;margin-left:0.0pt;">Value (either quarterly, </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:10pt;margin-left:0.0pt;">semi–annually, or annually) </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:10pt;margin-left:0.0pt;">to maintain the percentage </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:10pt;margin-left:0.0pt;">allocated to each Investment </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:10pt;margin-left:0.0pt;">Division at a pre–set level.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with 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:10pt;margin-left:9.0pt;">traditional Dollar Cost </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:10pt;margin-left:9.0pt;">Averaging option.</span></div></div> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </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:10pt;margin-left:9.0pt;">Accumulation Value 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:10pt;margin-left:9.0pt;">$2,500 to elect this option, </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:10pt;margin-left:9.0pt;">and a minimum of $2,500 </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:10pt;margin-left:9.0pt;">to continue it as scheduled.</span></div></div></td></tr> <tr style="height:125pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Traditional 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:10pt;font-weight:bold;margin-left:0.0pt;">Cost Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Automatically transfers a </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:10pt;margin-left:0.0pt;">specific amount of money </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:10pt;margin-left:0.0pt;">from any Investment Division </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:10pt;margin-left:0.0pt;">to any combination 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:10pt;margin-left:0.0pt;">Investment Divisions at set </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:10pt;margin-left:0.0pt;">intervals.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with 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:10pt;margin-left:9.0pt;">Automatic Asset </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:10pt;margin-left:9.0pt;">Rebalancing option, or 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:10pt;margin-left:9.0pt;">an investment preservation </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:10pt;margin-left:9.0pt;">rider.</span></div></div> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </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:10pt;margin-left:9.0pt;">Accumulation Value 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:10pt;margin-left:9.0pt;">$2,500 to elect this option, </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:10pt;margin-left:9.0pt;">and a minimum of $2,000 </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:10pt;margin-left:9.0pt;">to continue as scheduled.</span></div></div></td></tr> <tr style="height:86.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">The DCA </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:10pt;font-weight:bold;margin-left:0.0pt;">Advantage Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Allows you to set up </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:10pt;margin-left:0.0pt;">automatic dollar cost </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:10pt;margin-left:0.0pt;">averaging using the DCA </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:10pt;margin-left:0.0pt;">Advantage Account when </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:10pt;margin-left:0.0pt;">you make an initial premium </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:10pt;margin-left:0.0pt;">payment or a subsequent </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:10pt;margin-left:0.0pt;">premium payment of at least</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">None</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">DCA Advantage Account </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:10pt;margin-left:9.0pt;">duration may not extend </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:10pt;margin-left:9.0pt;">beyond the Annuity </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:10pt;margin-left:9.0pt;">Commencement Date.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not have more </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:10pt;margin-left:9.0pt;">than one DCA Advantage </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:10pt;margin-left:9.0pt;">Account open at the same </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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:398.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">$2,000. The DCA Advantage </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:10pt;margin-left:0.0pt;">Account transfers amounts </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:10pt;margin-left:0.0pt;">automatically to 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:10pt;margin-left:0.0pt;">Investment Divisions 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:10pt;margin-left:0.0pt;">choose in up to six monthly </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:10pt;margin-left:0.0pt;">increments and pays 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:10pt;margin-left:0.0pt;">interest on amounts </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:10pt;margin-left:0.0pt;">remaining in the DCA </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:10pt;margin-left:0.0pt;">Advantage Account.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:9.0pt;">time.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must allocate 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:10pt;margin-left:9.0pt;">minimum of $2,000 to 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:10pt;margin-left:9.0pt;">DCA Advantage Account, </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:10pt;margin-left:9.0pt;">any premium payment less </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:10pt;margin-left:9.0pt;">than $2,000 will 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:10pt;margin-left:9.0pt;">allocated directly to 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:10pt;margin-left:9.0pt;">Investment Divisions 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:10pt;margin-left:9.0pt;">accordance with 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:10pt;margin-left:9.0pt;">instructions we have on </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:10pt;margin-left:9.0pt;">file.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </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:10pt;margin-left:9.0pt;">into the DCA Advantage </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:10pt;margin-left:9.0pt;">Account from any </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:10pt;margin-left:9.0pt;">Allocation Option.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The annual effective </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:10pt;margin-left:9.0pt;">interest rate for the 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:10pt;margin-left:9.0pt;">Advantage Account shown </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:10pt;margin-left:9.0pt;">on your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Data Page</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;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:10pt;margin-left:9.0pt;">applies only to your initial </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:10pt;margin-left:9.0pt;">premium payment. Interest </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:10pt;margin-left:9.0pt;">rates applied 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:10pt;margin-left:9.0pt;">subsequent premium </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:10pt;margin-left:9.0pt;">payments allocated to 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:10pt;margin-left:9.0pt;">DCA Advantage Account </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:10pt;margin-left:9.0pt;">may differ.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The benefits payable under </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:10pt;margin-left:9.0pt;">the DCA Advantage </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:10pt;margin-left:9.0pt;">Account (including principal </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:10pt;margin-left:9.0pt;">and interest) are payable </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:10pt;margin-left:9.0pt;">from NYLIAC’s general </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:10pt;margin-left:9.0pt;">account and are subject 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:10pt;margin-left:9.0pt;">its claims-paying ability.</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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:170.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Guarantees 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:10pt;margin-left:0.0pt;">beneficiaries will receive a </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:10pt;margin-left:0.0pt;">benefit at least equal to 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:10pt;margin-left:0.0pt;">greatest of: (i) 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:10pt;margin-left:0.0pt;">Accumulation Value or (ii) 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:10pt;margin-left:0.0pt;">Return of Premium 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:10pt;margin-left:0.0pt;">Benefit.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">No</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> additional charge</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals, other than </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:10pt;margin-left:9.0pt;">those made to pay </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:10pt;margin-left:9.0pt;">Advisory Fees, could </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:10pt;margin-left:9.0pt;">significantly 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:10pt;margin-left:9.0pt;">benefit (possibly by an </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:10pt;margin-left:9.0pt;">amount substantially </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:10pt;margin-left:9.0pt;">greater than the actual </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:10pt;margin-left:9.0pt;">amount withdrawn).</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals to pay </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:10pt;margin-left:9.0pt;">Advisory Fees (in states </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:10pt;margin-left:9.0pt;">other than New York) 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:10pt;margin-left:9.0pt;">reduce your Accumulation </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:10pt;margin-left:9.0pt;">Value on a dollar for dollar </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:10pt;margin-left:9.0pt;">basis.</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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:302.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Annual 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:10pt;font-weight:bold;margin-left:0.0pt;">Benefit Reset </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:10pt;font-weight:bold;margin-left:0.0pt;">(ADBR) Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Provides a new locked-in </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:10pt;margin-left:0.0pt;">higher death benefit each </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:10pt;margin-left:0.0pt;">year from the Policy </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:10pt;margin-left:0.0pt;">Date(“Reset Anniversary”), if </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:10pt;margin-left:0.0pt;">your investments increase in </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:10pt;margin-left:0.0pt;">value.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Maximum Charge: </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">(Charge calculated as an </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:10pt;margin-left:0.0pt;">annualized percentage of 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:10pt;margin-left:0.0pt;">ADBR Reset Value as of 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:10pt;margin-left:0.0pt;">last Policy Anniversary (or as </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:10pt;margin-left:0.0pt;">of the Policy Date if within </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:10pt;margin-left:0.0pt;">the first Policy Year), </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:10pt;margin-left:0.0pt;">deducted quarterly)</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </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:10pt;margin-left:9.0pt;">of application.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Resets will continue on </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:10pt;margin-left:9.0pt;">Reset Anniversaries until </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:10pt;margin-left:9.0pt;">the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Owner(or Annuitant 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:10pt;margin-left:9.0pt;">the Owner is not a natural </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:10pt;margin-left:9.0pt;">person) is age 85.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals, other than </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:10pt;margin-left:9.0pt;">those made to pay </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:10pt;margin-left:9.0pt;">Advisory Fees (in states </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:10pt;margin-left:9.0pt;">other than New York), </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:10pt;margin-left:9.0pt;">could significantly reduce </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:10pt;margin-left:9.0pt;">the benefit (possibly by an </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:10pt;margin-left:9.0pt;">amount substantially </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:10pt;margin-left:9.0pt;">greater than the actual </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:10pt;margin-left:9.0pt;">amount withdrawn).</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals to pay </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:10pt;margin-left:9.0pt;">Advisory Fees (in states </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:10pt;margin-left:9.0pt;">other than New York) 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:10pt;margin-left:9.0pt;">reduce your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation </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:10pt;margin-left:9.0pt;">Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on a dollar-for-dollar </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:10pt;margin-left:9.0pt;">basis.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot cancel the rider </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:10pt;margin-left:9.0pt;">without surrendering 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:10pt;margin-left:9.0pt;">policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The rider is not 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:10pt;margin-left:9.0pt;">for Inherited </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Qualified </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:10pt;margin-left:9.0pt;">policies</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:578.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">IPR – Advisory </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:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">A death benefit that is </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:10pt;margin-left:0.0pt;">available if you purchase 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:10pt;margin-left:0.0pt;">IPR. The IPR guarantees </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:10pt;margin-left:0.0pt;">that your beneficiaries will </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:10pt;margin-left:0.0pt;">receive the greater of: (i) 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:10pt;margin-left:0.0pt;">Standard Death Benefit; </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:10pt;margin-left:0.0pt;">(ii) any death benefit </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:10pt;margin-left:0.0pt;">available under any other </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:10pt;margin-left:0.0pt;">rider attached to your policy; </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:10pt;margin-left:0.0pt;">or (iii) the IPR Death Benefit.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Maximum Charge: </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">(as an annualized </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:10pt;margin-left:0.0pt;">percentage of the 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:10pt;margin-left:0.0pt;">that is guaranteed)</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </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:10pt;margin-left:9.0pt;">of application.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The IPR Death Benefit that </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:10pt;margin-left:9.0pt;">is payable under the IPR </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:10pt;margin-left:9.0pt;">may require that the Owner </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:10pt;margin-left:9.0pt;">hold the policy for 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:10pt;margin-left:9.0pt;">minimum waiting period </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:10pt;margin-left:9.0pt;">before the IPR Death </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:10pt;margin-left:9.0pt;">Benefit equals 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:10pt;margin-left:9.0pt;">Guaranteed Amount under </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:10pt;margin-left:9.0pt;">the IPR. If the Owner dies </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:10pt;margin-left:9.0pt;">prior to the end of that </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:10pt;margin-left:9.0pt;">required waiting period, 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:10pt;margin-left:9.0pt;">IPR Death Benefit will 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:10pt;margin-left:9.0pt;">equal to the first policy year </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:10pt;margin-left:9.0pt;">premiums less any </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:10pt;margin-left:9.0pt;">proportional 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:10pt;margin-left:9.0pt;">(See 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:10pt;margin-left:9.0pt;">BENEFITS – IPR for more </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:10pt;margin-left:9.0pt;">information on IPR Death </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:10pt;margin-left:9.0pt;">Benefit calculations.)</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Similarly, if an IPR Reset is </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:10pt;margin-left:9.0pt;">elected, a new waiting </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:10pt;margin-left:9.0pt;">period, as applicable, 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:10pt;margin-left:9.0pt;">begin before 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:10pt;margin-left:9.0pt;">Guaranteed Amount is </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:10pt;margin-left:9.0pt;">payable as the IPR Death </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:10pt;margin-left:9.0pt;">Benefit. If the Owner dies </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:10pt;margin-left:9.0pt;">prior to the end of the new </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:10pt;margin-left:9.0pt;">applicable waiting period, </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:10pt;margin-left:9.0pt;">the IPR Death Benefit 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:10pt;margin-left:9.0pt;">be equal to 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:10pt;margin-left:9.0pt;">Accumulation Value as 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:10pt;margin-left:9.0pt;">the Rider Reset Effective </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:10pt;margin-left:9.0pt;">Date less any proportional </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:10pt;margin-left:9.0pt;">withdrawals.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only payable if 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:10pt;margin-left:9.0pt;">Owner’s spouse does 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:10pt;margin-left:9.0pt;">elect to continue the policy </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:10pt;margin-left:9.0pt;">pursuant to its spousal </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:10pt;margin-left:9.0pt;">continuance option. If 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:10pt;margin-left:9.0pt;">Owner’s spouse elects 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:10pt;margin-left:9.0pt;">continue the policy, the IPR </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:10pt;margin-left:9.0pt;">will continue and the IPR </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:10pt;margin-left:9.0pt;">Death Benefit will not 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:10pt;margin-left:9.0pt;">paid.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">See the next table </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:10pt;margin-left:9.0pt;">“OPTIONAL LIVING </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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:122.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:9.0pt;">BENEFITS 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:10pt;margin-left:9.0pt;">FOR A FEE—IPR – </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:10pt;margin-left:9.0pt;">Advisory” for more </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:10pt;margin-left:9.0pt;">information about 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:10pt;margin-left:9.0pt;">restrictions and limitations </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:10pt;margin-left:9.0pt;">applicable to the IPR.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Not available in certain </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:10pt;margin-left:9.0pt;">jurisdictions. See </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:10pt;margin-left:9.0pt;">APPENDIX 2 – State </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:10pt;margin-left:9.0pt;">Variations</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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">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:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:434.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">IPR - Advisory</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Protects a percentage 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:10pt;margin-left:0.0pt;">your investment from loss for </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:10pt;margin-left:0.0pt;">a specified Holding Period. If, </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:10pt;margin-left:0.0pt;">after a specified Holding </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:10pt;margin-left:0.0pt;">Period, your Accumulation </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:10pt;margin-left:0.0pt;">Value is less than the amount </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:10pt;margin-left:0.0pt;">guaranteed, we will make 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:10pt;margin-left:0.0pt;">one-time increase to your </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:10pt;margin-left:0.0pt;">Accumulation Value to make </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:10pt;margin-left:0.0pt;">it equal to the IPR </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:10pt;margin-left:0.0pt;">Guaranteed Amount.</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">You may request to reset 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:10pt;margin-left:0.0pt;">IPR Guaranteed Amount (an </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:10pt;margin-left:0.0pt;">IPR Reset) under certain </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:10pt;margin-left:0.0pt;">circumstances.</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">In most jurisdictions, includes </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:10pt;margin-left:0.0pt;">an IPR Death Benefit which </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:10pt;margin-left:0.0pt;">is payable upon the death 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:10pt;margin-left:0.0pt;">the Owner if the Owner’s </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:10pt;margin-left:0.0pt;">spouse does not elect 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:10pt;margin-left:0.0pt;">continue the policy.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Maximum Charge: </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.00</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">(as an annualized </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:10pt;margin-left:0.0pt;">percentage of the amount </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:10pt;margin-left:0.0pt;">that is guaranteed)</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">Maximum IPR Termination </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:10pt;margin-left:0.0pt;">and Withdrawal Charge: </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:10pt;margin-left:0.0pt;">2.00</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%. (For the Termination </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:10pt;margin-left:0.0pt;">and Withdrawal Charge </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:10pt;margin-left:0.0pt;">Percentage applicable in </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:10pt;margin-left:0.0pt;">New York, see APPENDIX 2 </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:10pt;margin-left:0.0pt;">– State Variations.)</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of application.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You should not select this </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">rider unless you intend 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:10pt;margin-left:9.0pt;">keep the policy for at least </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">as long as the Holding </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Period you’ve selected.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">This rider provides no </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit if you surrender 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:10pt;margin-left:9.0pt;">policy before the end of 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:10pt;margin-left:9.0pt;">Holding Period.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Restricts the availability 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:10pt;margin-left:9.0pt;">certain investment options.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Premium payments are </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">only permitted (a) in 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:10pt;margin-left:9.0pt;">first Policy Year or (b) 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:10pt;margin-left:9.0pt;">a specified Holding Period.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals, other than </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">those taken to pay </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advisory Fees in states </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">other than New York, could </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">significantly 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:10pt;margin-left:9.0pt;">benefit (possibly by an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">amount substantially </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">greater than the actual </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">amount withdrawn). During </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the first three Policy Years, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">if you take a withdrawal in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">excess of the IPR Free </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Withdrawal Amount, you </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">will incur an IPR </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Termination and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Withdrawal Charge.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Deductions to pay Advisory </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Fees (in states other than </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">New York) will reduce your </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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">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:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:242.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;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:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:9.0pt;">Accumulation Value on a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">dollar-for-dollar basis.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">An IPR Reset starts a new </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Holding Period. New </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">annual charges and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Termination and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Withdrawal Charges may </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">apply after you elect an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">IPR Reset.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">IPR Reset rights may 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:10pt;margin-left:9.0pt;">suspended or discontinued </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and are subject to age </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">limits</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available to policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">owners aged 75 or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">younger.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The rider is not available </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">for Inherited IRA, Inherited </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Roth IRA, or Inherited </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Non-Qualified policies.</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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Automatic 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:10pt;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:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Automatically rebalances </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:10pt;margin-left:0.0pt;">your Variable Accumulation </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:10pt;margin-left:0.0pt;">Value (either quarterly, </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:10pt;margin-left:0.0pt;">semi–annually, or annually) </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:10pt;margin-left:0.0pt;">to maintain the percentage </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:10pt;margin-left:0.0pt;">allocated to each Investment </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:10pt;margin-left:0.0pt;">Division at a pre–set level.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with 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:10pt;margin-left:9.0pt;">traditional Dollar Cost </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:10pt;margin-left:9.0pt;">Averaging option.</span></div></div> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </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:10pt;margin-left:9.0pt;">Accumulation Value 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:10pt;margin-left:9.0pt;">$2,500 to elect this option, </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:10pt;margin-left:9.0pt;">and a minimum of $2,500 </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:10pt;margin-left:9.0pt;">to continue it as scheduled.</span></div></div></td></tr> <tr style="height:125pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;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:10pt;font-weight:bold;margin-left:0.0pt;">Traditional 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:10pt;font-weight:bold;margin-left:0.0pt;">Cost Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Automatically transfers a </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:10pt;margin-left:0.0pt;">specific amount of money </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:10pt;margin-left:0.0pt;">from any Investment Division </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:10pt;margin-left:0.0pt;">to any combination 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:10pt;margin-left:0.0pt;">Investment Divisions at set </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:10pt;margin-left:0.0pt;">intervals.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with 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:10pt;margin-left:9.0pt;">Automatic Asset </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:10pt;margin-left:9.0pt;">Rebalancing option, or 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:10pt;margin-left:9.0pt;">an investment preservation </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:10pt;margin-left:9.0pt;">rider.</span></div></div> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </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:10pt;margin-left:9.0pt;">Accumulation Value 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:10pt;margin-left:9.0pt;">$2,500 to elect this option, </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:10pt;margin-left:9.0pt;">and a minimum of $2,000 </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:10pt;margin-left:9.0pt;">to continue as scheduled.</span></div></div></td></tr> <tr style="height:86.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;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:10pt;font-weight:bold;margin-left:0.0pt;">The DCA </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:10pt;font-weight:bold;margin-left:0.0pt;">Advantage Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Allows you to set up </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:10pt;margin-left:0.0pt;">automatic dollar cost </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:10pt;margin-left:0.0pt;">averaging using the DCA </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:10pt;margin-left:0.0pt;">Advantage Account when </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:10pt;margin-left:0.0pt;">you make an initial premium </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:10pt;margin-left:0.0pt;">payment or a subsequent </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:10pt;margin-left:0.0pt;">premium payment of at least</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">None</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">DCA Advantage Account </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:10pt;margin-left:9.0pt;">duration may not extend </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:10pt;margin-left:9.0pt;">beyond the Annuity </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:10pt;margin-left:9.0pt;">Commencement Date.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not have more </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:10pt;margin-left:9.0pt;">than one DCA Advantage </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:10pt;margin-left:9.0pt;">Account open at the same </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:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:398.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;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:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">$2,000. The DCA Advantage </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:10pt;margin-left:0.0pt;">Account transfers amounts </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:10pt;margin-left:0.0pt;">automatically to 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:10pt;margin-left:0.0pt;">Investment Divisions 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:10pt;margin-left:0.0pt;">choose in up to six monthly </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:10pt;margin-left:0.0pt;">increments and pays 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:10pt;margin-left:0.0pt;">interest on amounts </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:10pt;margin-left:0.0pt;">remaining in the DCA </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:10pt;margin-left:0.0pt;">Advantage Account.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;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:10pt;margin-left:9.0pt;">time.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must allocate 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:10pt;margin-left:9.0pt;">minimum of $2,000 to 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:10pt;margin-left:9.0pt;">DCA Advantage Account, </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:10pt;margin-left:9.0pt;">any premium payment less </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:10pt;margin-left:9.0pt;">than $2,000 will 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:10pt;margin-left:9.0pt;">allocated directly to 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:10pt;margin-left:9.0pt;">Investment Divisions 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:10pt;margin-left:9.0pt;">accordance with 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:10pt;margin-left:9.0pt;">instructions we have on </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:10pt;margin-left:9.0pt;">file.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </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:10pt;margin-left:9.0pt;">into the DCA Advantage </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:10pt;margin-left:9.0pt;">Account from any </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:10pt;margin-left:9.0pt;">Allocation Option.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The annual effective </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:10pt;margin-left:9.0pt;">interest rate for the 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:10pt;margin-left:9.0pt;">Advantage Account shown </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:10pt;margin-left:9.0pt;">on your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Data Page</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;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:10pt;margin-left:9.0pt;">applies only to your initial </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:10pt;margin-left:9.0pt;">premium payment. Interest </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:10pt;margin-left:9.0pt;">rates applied 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:10pt;margin-left:9.0pt;">subsequent premium </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:10pt;margin-left:9.0pt;">payments allocated to 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:10pt;margin-left:9.0pt;">DCA Advantage Account </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:10pt;margin-left:9.0pt;">may differ.</span></div></div> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The benefits payable under </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:10pt;margin-left:9.0pt;">the DCA Advantage </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:10pt;margin-left:9.0pt;">Account (including principal </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:10pt;margin-left:9.0pt;">and interest) are payable </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:10pt;margin-left:9.0pt;">from NYLIAC’s general </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:10pt;margin-left:9.0pt;">account and are subject 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:10pt;margin-left:9.0pt;">its claims-paying ability.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Standard Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guarantees your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">beneficiaries will receive a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit at least equal to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">greatest of: (i) your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value or (ii) the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Return of Premium Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit.</span> 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals, other than </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">those made to pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advisory Fees, could </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">significantly reduce the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit (possibly by an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">amount substantially </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">greater than the actual </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">amount withdrawn).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals to pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advisory Fees (in states </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">other than New York) will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">reduce your Accumulation </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Value on a dollar for dollar </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">basis.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit Reset </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(ADBR) Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides a new locked-in </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">higher death benefit each </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">year from the Policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Date(“Reset Anniversary”), if </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your investments increase in </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">value.</span> 0.0100 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">of application.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Resets will continue on </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Reset Anniversaries until </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Owner(or Annuitant if </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Owner is not a natural </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">person) is age 85.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals, other than </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">those made to pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advisory Fees (in states </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">other than New York), </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">could significantly reduce </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the benefit (possibly by an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">amount substantially </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">greater than the actual </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">amount withdrawn).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals to pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advisory Fees (in states </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">other than New York) will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">reduce your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on a dollar-for-dollar </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">basis.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot cancel the rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">without surrendering the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The rider is not available </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">for Inherited </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Qualified </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">policies</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">IPR – Advisory </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">A death benefit that is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">available if you purchase the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR. The IPR guarantees </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that your beneficiaries will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receive the greater of: (i) the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard Death Benefit; </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) any death benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">available under any other </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">rider attached to your policy; </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">or (iii) the IPR Death Benefit.</span> 0.0200 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">of application.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The IPR Death Benefit that </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">is payable under the IPR </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may require that the Owner </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">hold the policy for a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">minimum waiting period </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">before the IPR Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Benefit equals the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Guaranteed Amount under </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the IPR. If the Owner dies </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">prior to the end of that </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">required waiting period, the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">IPR Death Benefit will be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">equal to the first policy year </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">premiums less any </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">proportional withdrawals. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">(See DESCRIPTION OF </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">BENEFITS – IPR for more </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">information on IPR Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Benefit calculations.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Similarly, if an IPR Reset is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">elected, a new waiting </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">period, as applicable, will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">begin before the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Guaranteed Amount is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payable as the IPR Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Benefit. If the Owner dies </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">prior to the end of the new </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applicable waiting period, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the IPR Death Benefit will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be equal to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value as of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Rider Reset Effective </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Date less any proportional </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only payable if the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Owner’s spouse does not </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">elect to continue the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">pursuant to its spousal </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">continuance option. If the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Owner’s spouse elects to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">continue the policy, the IPR </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">will continue and the IPR </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Death Benefit will not be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">paid.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">See the next table </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">“OPTIONAL LIVING </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">BENEFITS AVAILABLE </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">FOR A FEE—IPR – </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advisory” for more </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">information about the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">restrictions and limitations </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applicable to the IPR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Not available in certain </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">jurisdictions. See </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">APPENDIX 2 – State </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Variations</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">IPR - Advisory</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Protects a percentage of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">your investment from loss for </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">a specified Holding Period. If, </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">after a specified Holding </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Period, your Accumulation </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value is less than the amount </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed, we will make a </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">one-time increase to your </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value to make </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">it equal to the IPR </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed Amount.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">You may request to reset the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Guaranteed Amount (an </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR Reset) under certain </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">circumstances.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In most jurisdictions, includes </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">an IPR Death Benefit which </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">is payable upon the death of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Owner if the Owner’s </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">spouse does not elect to </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">continue the policy.</span> 0.0200 0.0200 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">of application.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">You should not select this </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">rider unless you intend to </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">keep the policy for at least </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">as long as the Holding </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Period you’ve selected.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">This rider provides no </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit if you surrender the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy before the end of the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Holding Period.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Restricts the availability of </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">certain investment options.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Premium payments are </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">only permitted (a) in the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">first Policy Year or (b) after </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">a specified Holding Period.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Withdrawals, other than </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">those taken to pay </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advisory Fees in states </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">other than New York, could </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">significantly reduce the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit (possibly by an </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">amount substantially </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">greater than the actual </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">amount withdrawn). During </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the first three Policy Years, </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">if you take a withdrawal in </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">excess of the IPR Free </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Withdrawal Amount, you </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">will incur an IPR </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Termination and </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Withdrawal Charge.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Deductions to pay Advisory </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Fees (in states other than </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">New York) will reduce your </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF BENEFIT</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value on a </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">dollar-for-dollar basis.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">An IPR Reset starts a new </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Holding Period. New </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">annual charges and </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Termination and </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Withdrawal Charges may </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">apply after you elect an </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">IPR Reset.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">IPR Reset rights may be </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">suspended or discontinued </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and are subject to age </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">limits</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available to policy </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">owners aged 75 or </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">younger.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">The rider is not available </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">for Inherited IRA, Inherited </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Roth IRA, or Inherited </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Non-Qualified policies.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Automatic Asset </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically rebalances </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Variable Accumulation </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value (either quarterly, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">semi–annually, or annually) </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to maintain the percentage </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocated to each Investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Division at a pre–set level.</span> 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">traditional Dollar Cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging option.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a minimum of $2,500 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue it as scheduled.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional Dollar </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cost Averaging</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">specific amount of money </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">from any Investment Division </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to any combination of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions at set </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">intervals.</span> 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing option, or with </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">an investment preservation </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a minimum of $2,000 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue as scheduled.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Advantage Account</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to set up </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic dollar cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">averaging using the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account when </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you make an initial premium </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment or a subsequent </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium payment of at least</span> 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">DCA Advantage Account </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">duration may not extend </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">beyond the Annuity </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Commencement Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not have more </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">than one DCA Advantage </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account open at the same </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$2,000. The DCA Advantage </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account transfers amounts </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatically to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions you </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">choose in up to six monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">increments and pays you </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest on amounts </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">remaining in the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">time.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must allocate a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">minimum of $2,000 to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">DCA Advantage Account, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">any premium payment less </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">than $2,000 will be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">allocated directly to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Investment Divisions in </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">accordance with the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">instructions we have on </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">file.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the DCA Advantage </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account from any </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Allocation Option.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The annual effective </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">interest rate for the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advantage Account shown </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Data Page</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applies only to your initial </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">premium payment. Interest </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">rates applied to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">subsequent premium </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payments allocated to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">DCA Advantage Account </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may differ.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The benefits payable under </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the DCA Advantage </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account (including principal </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and interest) are payable </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">from NYLIAC’s general </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">account and are subject to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">its claims-paying ability.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">The Standard Death Benefit – Death Before Annuity Commencement</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Unless amended by any rider attached to the policy, if the Owner dies prior to the Annuity Commencement Date, </span><span style="color:#000000;font-family:Arial;font-size:10pt;">we will pay the Standard Death Benefit amount as proceeds to the designated Beneficiary(ies), as of the date the VPSC receives proof of death and all other required information in Good Order at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus. With a jointly owned policy, ownership rights and privileges under the policy must be exercised jointly and benefits under the policy will be paid upon the death of any joint owner, unless the surviving spouse has been designated the sole primary beneficiary. In that case, the surviving spouse can choose to continue the policy as discussed below. (See “FEDERAL TAX MATTERS—Taxation of Annuities in General.”) For policies owned by a grantor trust, benefits will be paid upon the death of any Annuitant. The Standard Death Benefit amount will be the greatest of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">your policy’s Accumulation Value; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Return of Premium Death Benefit.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If more than one Beneficiary is named, each Beneficiary will be paid a pro rata portion from each Investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Division and the DCA Advantage Account in which the policy is invested as of the date we receive proof of death and all requirements necessary to make the payment to that Beneficiary. The remaining balance in the policy after paying each Beneficiary will remain in each Allocation Option in which the policy was invested as of the date we received proof of death in Good Order. Due to market fluctuations, the remaining Accumulation Value may increase or decrease, and we may pay subsequent Beneficiaries a different amount. Beneficiary(ies) may not make any transfers between Allocation Options.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We will make payments in a lump sum to a Beneficiary unless you have elected or the Beneficiary elects otherwise </span><span style="color:#000000;font-family:Arial;font-size:10pt;">in a signed written notice in Good Order. If such an election is properly made, we will apply all or part of these proceeds:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(i)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">under a Life Income Payment option to provide an immediate annuity for the Beneficiary who will be the policyowner and Annuitant; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(ii)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">under another Income Payment option we may offer at the time.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Payments under the annuity or under any other method of payment we make available must be for the life of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Beneficiary, or for a number of years that is not more than the life expectancy of the Beneficiary at the time of the policyowner’s death (as determined for federal tax purposes), and must begin within one year after the policyowner’s death. (See “ANNUITY PAYMENTS (THE INCOME PHASE)—Income Payments.”)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If your spouse (as defined under Federal law) is designated as the sole primary Beneficiary, we can pay the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">proceeds to the surviving spouse if you die before the Annuity Commencement Date or the policy can continue with the surviving spouse as (a) the new policyowner and, (b) the Annuitant, if you were the Annuitant. Please note: if your spouse is not designated as the sole primary beneficiary, when you die, the death benefit will be paid to the beneficiary(ies) you named, even if your spouse was the joint owner of the policy. For policies with one Annuitant, if the Annuitant is not an Owner and the Annuitant dies before the Annuity Commencement Date, when we receive proof of death for the Annuitant, the Owner will become the Annuitant, and the policy will continue. If the policy is jointly owned, the first Owner named will become the Annuitant. For more information about spousal continuance for policies issued in New Jersey, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">“APPENDIX 2 –State Variations.”</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> If you have elected the IPR, your spouse may be entitled to the IPR Death Benefit. Please see “DESCRIPTION OF BENEFITS—Investment Preservation Rider - Advisory—IPR Death Benefit; Spousal Continuance with the IPR” for more information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We will make any distribution or application of policy proceeds within 7 days after VPSC receives all documents </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(including documents necessary to comply with federal and state tax law) in connection with the event or election that causes the distribution to take place at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus in Good Order, subject to postponement in certain circumstances. (See “The POLICIES—Delay of Payments.”)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">How the Standard Death Benefit is Calculated</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Here is an example of how the Standard Death Benefit is calculated.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Assume that:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You purchase this policy with a $200,000 premium payment;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A $20,000 withdrawal is made at the end of the second Policy Year, and the Accumulation Value immediately preceding the withdrawal is $240,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You die in the third Policy Year, and the Accumulation Value upon death is $175,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">At issue, the Return of Premium Death Benefit is equal to $200,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Due to the $20,000 withdrawal at the end of the second Policy Year, the Return of Premium Death Benefit was reduced by $16,666.67, calculated as follows: ($20,000 / $240,000) * $200,000 = $16,666.67.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon death in the third policy year, the Standard Death Benefit is $183,333.33, which is the greater of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulation Value upon death</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$175,000, or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Premium payments less any Return of Premium Death Benefit Proportional Withdrawal;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$183,333.33 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">calculated as follows ($200,000 - $16,666.67 = $183,333.33)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The formula guarantees that the amount we pay will at least equal the sum of all premium payments (less any </span><span style="color:#000000;font-family:Arial;font-size:10pt;">proportional reductions due to partial withdrawals other than those made to pay Advisory Fees), independent of the investment experience of the Separate Account. The Standard Death Benefit will only be reduced by Advisory Fees when the death benefit equals the Accumulation Value (which is reduced dollar for dollar by Advisory Fees in states other than New York) as shown in section (a). Advisory Fees do not reduce the Return of Premium Death Benefit as calculated in section (b). No part of the Advisory Fee is payable out of death benefit proceeds.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In this example, your beneficiary would receive </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$183,333.33</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;text-decoration:underline;">Impact of Advisory Fees on the Standard Death Benefit (in states other than New York)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Here is an example of how withdrawals to pay Advisory Fees impact your Standard Death Benefit.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Assume that:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You purchase this policy with a $200,000 premium payment;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You have agreed to pay your investment advisor representative a fee for payment of Advisory Fees deducted monthly from your Accumulation Value;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You die in the third Policy Year, and the Accumulation Value upon death is $220,000 which reflects all policy activity that occurred prior to that date, including positive market performance and the deduction of cumulative policy fees, charges and Advisory Fees;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">At issue, the Return of Premium Death Benefit is equal to $200,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon death in the third policy year, the Standard Death Benefit is the greater of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulation Value upon death</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$220,000, or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Premium payments less any Return of Premium Death Benefit Proportional Withdrawal;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$200,000 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">calculated as follows ($200,000 - $0.00 = $200,000)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The formula guarantees that the amount we pay will at least equal the sum of all premium payments (less any </span><span style="color:#000000;font-family:Arial;font-size:10pt;">proportional reductions due to partial withdrawals other than those to pay Advisory Fees), independent of the investment experience of the Separate Account. Advisory fees do not proportionally reduce the Return of Premium Death Benefit as calculated in section (b) above. They do, however, reduce the Accumulation Value by the amount withdrawn, thus limiting potential increases in the Accumulation Value as calculated in section (a).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">In this example, your Accumulation Value at death is higher than the Return of Premium Death Benefit. Accordingly, your beneficiary would receive </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$220,000.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Annual Death Benefit Reset Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You may enhance your Policy’s Standard Death Benefit by purchasing the optional ADBR Rider. The ADBR Rider is </span><span style="color:#000000;font-family:Arial;font-size:10pt;">available only at the time of application. You cannot cancel this Rider without surrendering your policy. The rider is not available for Inherited Non-Qualified polices. If you purchase this rider and you die prior to the Annuity Commencement Date, we will pay an amount as proceeds to the designated Beneficiary, as of the date we receive proof of death and all requirements necessary to make the payment in Good Order. For policies owned by a grantor trust, benefits will be paid upon the death of an Annuitant. With this rider, your death benefit will be the greater of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Standard Death Benefit payable under the policy (See “DESCRIPTION OF BENEFITS –The Standard Death Benefit–Death Before Annuity Commencement”); or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the ADBR Reset Value, as defined in the next paragraph, plus any additional premium payments made since the most recent “Reset Anniversary,” less proportional withdrawals (“ADBR Reset Value Proportional Reductions”) made since the most recent Reset Anniversary; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any death benefit available under any other rider attached to the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We automatically calculate the ADBR Reset Value, with respect to any policy, every year from the Policy Date </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(“Reset Anniversary”) until you reach age 85. For policies owned by a grantor trust, the ADBR Reset Value will be calculated until any grantor reaches age 85. On the First Policy Anniversary, the ADBR Reset Value is defined as the greater of (a) the Accumulation Value on the first Policy Anniversary or (b) the Return of Premium Death Benefit. The ADBR Reset Value on the second and each subsequent Reset Anniversary is defined as the greatest of (a) the Accumulation Value on the current Reset Anniversary or (b) the ADBR Reset Value on the prior Reset Anniversary, plus any premium payments applied since the prior Reset Anniversary, less any ADBR Reset Value Proportional Reductions since the prior Reset Anniversary.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The rider benefit will no longer reset after the Owner’s death. The only exception is if the policy remains in force </span><span style="color:#000000;font-family:Arial;font-size:10pt;">under the spousal option provision of the Policy, if available.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner is not a natural person, including a grantor trust, the rider benefit will no longer reset after the death of </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Annuitant. In addition, in jurisdictions where approved, if an ownership change or assignment of the policy is made, other than as explicitly described in the rider, the rider will terminate, and no ADBR Reset Value will be payable. If the rider is terminated, the death benefit payable will be the benefit provided in the “DESCRIPTION OF BENEFITS – The Standard Death Benefit–Death Before Annuity Commencement” section of this Prospectus.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">An ADBR Reset Value Proportional Reduction is an amount equal to the amount withdrawn from the policy, after </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the first Policy Anniversary, (excluding amounts withdrawn to pay Advisory Fees in states other than New York), divided by the policy’s Accumulation Value immediately preceding the withdrawal, multiplied by the ADBR Reset Value immediately preceding the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We have set forth below an example of how the ADBR Rider works and how the ADBR Reset Value Proportional </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Reductions is calculated for an owner who is age 63 (in states other than New York). The current annual rider charge is 0.25% of the Reset Value as of the last Policy Anniversary, deducted quarterly. In this example, we have assumed the following:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you purchase this policy with a $200,000 initial premium payment (no additional premium payments are made);</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">in your first policy year, you have experienced market gains. After the deduction of all policy fees and charges, including Advisory Fees, your Accumulation Value as of the first Policy Anniversary is $250,000 (this is the Policy Year 1 ADBR Reset Value);</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">in the third quarter of policy year 2, after deduction of all policy fees and charges, including Advisory Fees, your current Accumulation Value is $240,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you make a withdrawal of $15,000 in the third quarter of Policy Year 2 when your Accumulation Value is $240,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you die immediately after the withdrawal;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulation Value on the date we receive the necessary requirements to pay the death benefit is $225,000 ($240,000 Accumulation Value – $15,000 withdrawal); and</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Death Benefit is the greatest of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulation Value on the date we receive the necessary requirements to pay the death benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">= $225,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Return of Premium Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">= $187,500 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">calculated as described below:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">To calculate the Return of Premium Death Benefit, you must first determine the value of any Return of Premium Death Benefit Proportional Withdrawal. The Return of Premium Death Benefit Proportional Withdrawal equals the amount of partial withdrawals (not including any amounts withdrawn to pay Advisory Fees) ($15,000) divided by the policy’s Accumulation Value immediately preceding the withdrawal ($240,000), multiplied by the Return of Premium Death Benefit immediately preceding the withdrawal ($200,000):</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">($15,000/$240,000) x $200,000 = $12,500 is the proportional reduction.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The total amount of premium payments made under the policy ($200,000) minus the Return of Premium Death Benefit Proportional Withdrawal ($12,500) equals the Return of Premium Death Benefit ($187,500).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Policy Year 2 “ADBR Reset Value,” which is the greatest of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulation Value on the date we receive the necessary requirements to pay the death benefit or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$225,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the prior ADBR Reset Value as of the last Reset Anniversary ($250,000), plus any premium payments since the prior Reset Anniversary ($0), less ADBR Reset Value Proportional Reductions since the prior Reset Anniversary ($15,625).</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$234,375 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">calculated as described below:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">To calculate the ADBR Reset Value, you must first determine the value of any ADBR Reset Value Proportional Reduction. The ADBR Reset Value Proportional Reduction is an amount equal to the amount withdrawn from the policy, after the first Policy Anniversary, (excluding amounts withdrawn to pay Advisory Fees) ($15,000), divided by the policy’s Accumulation Value immediately preceding the withdrawal ($240,000), multiplied by the ADBR Reset Value immediately preceding the withdrawal ($250,000).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">($15,000/$240,000) x $250,000 = $15,625</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The prior ADBR Reset Value as of the last Reset Anniversary ($250,000), plus any premium payments since the prior Reset Anniversary ($0), less ADBR Reset Value Proportional Reductions since the prior Reset Anniversary ($15,625) equals $234,375.00.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In this example, your Beneficiary would receive </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$234,375.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Impact of Advisory Fees on the ADBR (in states other than New York)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Here is an example of how withdrawals to pay Advisory Fees impact the ADBR Rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We have assumed the following:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you purchase this policy with a $200,000 initial premium payment (no additional premium payments are made — this is the Return of Premium Death Benefit);</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">in your first policy year, after the deduction of all cumulative fees and charges, including Advisory Fees, you have experienced positive market performance and your Accumulation Value as of the first Policy Anniversary is $250,000 (this is the Policy Year 1 ADBR Reset Value);</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">in your second policy year, after the deduction of all cumulative fees and charges, including Advisory Fees, your current Accumulation Value has dropped to $240,000 on your second Policy Anniversary;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">you die in your second policy year when your Accumulation Value is $240,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Death Benefit is the greatest of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulation Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">= $240,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Return of Premium Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">= $200,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Policy Year 2 “ADBR Reset Value,” which is the greatest of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulation Value or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$240,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the prior ADBR Reset Value as of the last Reset Anniversary, plus any premium payments since the prior Reset Anniversary, less ADBR Reset Value Proportional Reductions since the prior Reset Anniversary.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$250,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The formula guarantees that the amount we pay will at least equal the sum of all premium payments (less any </span><span style="color:#000000;font-family:Arial;font-size:10pt;">proportional reductions due to partial withdrawals other than those to pay Advisory Fees), your highest ADBR Reset Value, or your Accumulation Value. Advisory fees do not proportionally reduce the Return of Premium Death Benefit as calculated in section (5)(b) above. They do, however, reduce the Accumulation Value by the amount withdrawn, thus limiting potential increases in the Accumulation Value as calculated in section (5)(a), and limiting potential increases to the ADBR Reset Value in (5)(c).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In this example, your Beneficiary would receive the ADBR Reset Value of </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$250,000.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The ADBR Rider ends upon the earliest of the following:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Annuity Commencement Date,</span><span style="color:#000000;font-family:Arial;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the date you surrender the policy,</span><span style="color:#000000;font-family:Arial;font-size:10pt;">3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an ownership change or assignment of the policy, other than as described in the rider, or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the date we terminate the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Notwithstanding the foregoing, if your spouse, as the sole primary Beneficiary, elects to continue the policy as the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">new Owner upon your death, the Rider will not end and all of the Rider’s provisions and quarterly charges will continue to be deducted as if the new Owner had purchased the policy on the original Policy Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">You cannot cancel this Rider without surrendering your policy.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Investment Preservation Rider – Advisory</span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The Investment Preservation Rider – Advisory (“IPR”) is available only at the time of application. While the IPR is in </span><span style="font-family:Arial;font-size:10pt;">effect, you may only make premium payments to the policy (a) in the first Policy Year or (b) after the Holding Period End Date. The IPR allows you to choose among six different Holding Periods. If you purchase the IPR, you will be eligible to receive a one-time adjustment to your Accumulation Value in the event that your Accumulation Value is less than the amount guaranteed under the IPR on the applicable policy anniversary of the Rider Effective Date (or most recent reset date) for the Holding Period you choose. (For more information about IPR provisions that are applicable in New York and other jurisdictions, see APPENDIX 2 – State Variations). The IPR is available with all Non-Qualified (other than Inherited Non-Qualified policies), IRA, SEP IRA, Roth IRA and SIMPLE IRA policies if the Owner (oldest Owner, if the policy is jointly owned) and the Annuitant (oldest Annuitant, if the policy had joint Annuitants) are age 75 or younger on the Rider Effective Date. The rider is not available on Inherited IRA, Inherited Roth IRA or Inherited Non-Qualified policies.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">With the IPR, you do not have to surrender the policy to receive any applicable benefit. You will be eligible to </span><span style="color:#000000;font-family:Arial;font-size:10pt;">receive any benefit payable on the Policy Anniversary for the Holding Period you chose after the later of the Policy Date or the most recent reset date. You do not need to take any action. We will inform you in writing if you are eligible to receive the one-time adjustment to your Accumulation Value under the IPR. We will also inform you of your options in the event that such one-time adjustment is made to your Accumulation Value which are to (i) surrender the policy and receive the adjusted Accumulation Value, or (ii) continue the policy at the adjusted Accumulation Value, which is subject to market fluctuation. If you are eligible to receive an adjustment, we will credit an amount to your Accumulation Value pro rata in accordance with your allocations currently on file. If you surrender the policy, amounts </span><span style="color:#000000;font-family:Arial;font-size:10pt;">paid to you under the IPR may be taxable and you may be subject to a 10% penalty tax if such amounts are paid before you reach age 59-½.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You may request to reset the guaranteed amount (an “IPR Reset”) under certain circumstances, as described </span><span style="color:#000000;font-family:Arial;font-size:10pt;">below. The IPR ends on the applicable policy anniversary of the Rider Effective Date (or most recent reset date) for the Holding Period you choose (See “DESCRIPTION OF BENEFITS–Investment Preservation Rider–IPR Death Benefit” regarding the terms under which such death benefit may continue after the IPR ends). The applicable policy anniversary depends on the Holding Period you choose. While the IPR is in effect and prior to the Holding Period End Date, we will deduct a charge from your Accumulation Value on each policy quarter. (See “CHARGES AND DEDUCTIONS–Optional Benefit Expenses–Annual Charge for the Investment Preservation Rider” and the Rate Sheet Prospectus Supplement for current charges). When you make a withdrawal (including required minimum distributions from IRAs, but excluding any amount withdrawn to pay Advisory Fees in states other than New York), we will reduce the amount that is guaranteed (the “IPR Guaranteed Amount”) under the IPR proportionally (“IPR Guaranteed Amount Proportional Reduction”). An IPR Guaranteed Amount Proportional Reduction is equal to the amount withdrawn from the policy divided by the Accumulation Value immediately preceding the withdrawal, multiplied by the IPR Guaranteed Amount immediately preceding the withdrawal. All amounts withdrawn from the policy except for withdrawals to pay Advisory Fees in states other than New York will result in an IPR Guaranteed Amount Proportional Reduction. This includes required minimum distributions from IRAs and amounts that are withdrawn as an IPR Free Withdrawal Amount. For example, if you withdrew 10% of your Accumulation Value, your IPR Guaranteed Amount will be reduced by 10%.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Please note that benefits payable under the IPR are payable from NYLIAC’s general account and are subject to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">claims paying ability of NYLIAC. No third-party guarantees are involved.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;text-decoration:underline;">The IPR Guaranteed Amount</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For policies applied for with applications signed on or before April 30, 2023, The IPR Guaranteed Amount will equal </span><span style="color:#000000;font-family:Arial;font-size:10pt;">100% of the sum of all premium payments made in the first Policy Year, less all IPR Guaranteed Amount Proportional Reductions made during the rider Holding Period. An example of how the IPR Guaranteed Amount is calculated, including how we calculate the IPR Guaranteed Amount Proportional Reduction, is shown below in the “DESCRIPTION OF BENEFITS–Investment Preservation Rider–How the IPR is Calculated.”</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For policies with applications signed on or after May 1, 2023, the Guaranteed Amount will equal the IPR Guarantee </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Percentage of the sum of all premium payments made in the first Policy Year, minus all IPR Guaranteed Amount Proportional Reductions made during the rider Holding Period. The IPR Guarantee Percentage used to determine the IPR Guaranteed Amount is subject to change and will depend on when you purchase your policy. Once you purchase the policy, however, IPR Guarantee Percentage will not change for the life of the IPR. For current percentages applicable to new purchases, please see the Rate Sheet Prospectus Supplement. See APPENDIX 3 for IPR Guarantee Amount Percentages that applied to historical purchases.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">IPR Investment Restrictions</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you purchase the IPR, you will be allowed to allocate your premium payments to the Investment Divisions and the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">DCA Advantage Account subject to the restrictions set forth in APPENDIX 1B for the 12, 13, 14 and 15-year Holding Period options and APPENDIX 1C for the 7-year and 10-year Holding Period options.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you purchase the IPR, there will be limitations on how you allocate to the Investment Divisions. You may allocate </span><span style="color:#000000;font-family:Arial;font-size:10pt;">your premium payments to Investment Divisions in the Asset Allocation Categories in accordance with the specified thresholds. Individual transfers between Investment Divisions and the DCA Advantage Account are not allowed. If you wish to complete a reallocation between the Investment Divisions, you or your investment adviser representative must call us at 1-800-598-2019, submit the request online at www.newyorklife.com or send a reallocation form to the VPSC at one of the addresses in the “CONTACTING NYLIAC” section of this Prospectus. Each policy quarter, we will automatically rebalance your current allocations to conform to your most recent allocation instructions. The Investment Division restrictions associated with the IPR seek to moderate overall volatility or hedge against down-market volatility and may limit your participation in positive investment performance. Other investment options </span><span style="color:#000000;font-family:Arial;font-size:10pt;">that are available if you do not purchase the IPR may offer the potential for higher returns. You should consult with your investment adviser representative and carefully consider whether the Investment Division restrictions associated with the IPR meet your investment objectives and risk tolerance. The Asset Allocation Categories and the Investment Divisions available with IPR are set forth in APPENDIX 1B for the 12, 13, 14 and 15-year Holding Period options and APPENDIX 1C for the 7-year and 10-year Holding Period options</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you choose an IPR Reset, the restrictions on investment allocations may change. These changes could include </span><span style="color:#000000;font-family:Arial;font-size:10pt;">an adjustment to the minimum and/or maximum allocation percentages available under the Asset Allocation Categories, adding or removing Asset Allocation Categories, or discontinuing the availability of the DCA Advantage Account. We will notify you if any such changes occur.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;text-decoration:underline;">The Effects of Surrendering the Policy or Cancelling the IPR</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You may cancel the IPR within thirty (30) days after delivery of the policy without penalty. To cancel, you or your </span><span style="color:#000000;font-family:Arial;font-size:10pt;">investment adviser representative must return the IPR to the VPSC at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus. Upon receipt of this request, we will promptly cancel the IPR and refund any IPR charges which may have been deducted. After this 30-day period and up until three years from the Policy Date, you still have the right to discontinue the IPR, however, we will assess the IPR Termination and Withdrawal Charge. The charge will be deducted pro rata from each Allocation Option in which you are invested on the date of the deduction. We will not refund any IPR charges that may have been deducted if you cancel the IPR after thirty days. (See “CHARGES AND DEDUCTIONS–Transaction Expenses–IPR Termination and Withdrawal Charge”). The cancellation of the IPR after the 30-day period will be effective as of the date the VPSC receives your cancellation request in Good Order. You and your investment adviser representative should consider the cost of cancelling the IPR prior to purchasing it. Please consult with your investment adviser representative for more information about the effects of cancelling the IPR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The IPR will provide no benefit if you surrender the policy before the Policy Anniversary on which you are eligible to </span><span style="color:#000000;font-family:Arial;font-size:10pt;">receive a potential one-time adjustment to your Accumulation Value. Therefore, you should purchase the IPR only if you intend to keep the policy for at least the rider Holding Period you choose (7, 10, 12, 13, 14 or 15 years). If you surrender the policy within the first three Policy Years, we will assess an IPR Termination and Withdrawal Charge of 2.00% on the IPR Guaranteed Amount that exceeds the IPR Free Withdrawal Amount. (See “CHARGES AND DEDUCTIONS–Transaction Expenses–IPR Termination and Withdrawal Charge and APPENDIX 2 – State Variations for a variation to the IPR Termination and Withdrawal Charge applicable to policies issued in New York.”). This charge will be assessed on the Business Day that we receive your request to surrender in Good Order. The charge will be deducted from the amount of proceeds paid to you upon surrender.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">In most jurisdictions, the IPR will terminate if an ownership change or assignment of the policy is made, other than </span><span style="color:#000000;font-family:Arial;font-size:10pt;">as explicitly described in the rider. For more information where an ownership change will not terminate the IPR, see APPENDIX 2 – State Variations. We will not assess an IPR Termination and Withdrawal Charge in the event of an ownership change or policy assignment.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;text-decoration:underline;">The Effects of Withdrawals on the IPR</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Any withdrawal (including required minimum distributions from IRAs, but excluding any amounts withdrawn to pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Advisory Fees in states other than New York) reduces the IPR Guaranteed Amount proportionally and the amount of charges assessed for the IPR. While the IPR is in effect, withdrawals will be deducted proportionally from the Allocation Options. However, please note that charges assessed for the IPR prior to the date of any withdrawal (including required minimum distributions from IRAs) will not be retroactively adjusted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">It is important to note that if you make any withdrawals (including required minimum distributions from IRAs, but excluding any amounts withdrawn to pay Advisory Fees in states other than New York) while the IPR is in effect, you may not be able to receive the full value of the IPR. The reduction in the IPR Guaranteed Amount may be significant, and could be greater than the actual amount withdrawn. This may occur when you request a withdrawal at a time when your Accumulation Value is lower than the IPR Guaranteed Amount (see example below). In addition, if you take any withdrawals in excess of the IPR Free Withdrawal Amount during the first three Policy Years, we will assess an IPR Termination and Withdrawal Charge of 2.00% of the IPR Guaranteed Amount that exceeds the IPR Free Withdrawal Amount. As a result, the IPR may not be appropriate for you if you intend to take withdrawals (including required minimum distributions from IRAs) before the end of the Holding Period you choose. Please note, however, that withdrawals to pay Advisory Fees do not count towards your IPR Free </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Withdrawal Amount. You should consult your investment adviser representative and your tax adviser if you have any questions about the use of the IPR in your tax situation.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">IPR Reset</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">You can decide to reset your rider to increase the IPR Guaranteed Amount. You may request to reset the IPR </span><span style="font-family:Arial;font-size:10pt;">Guaranteed Amount at any time while the IPR is in effect as long as (a) the Owner (oldest Owner, if the Policy is jointly owned) and the Annuitant (oldest Annuitant, if there are joint Annuitants) are age 75 or younger, and (b) prior to the reset, your Accumulation Value multiplied by the IPR Guarantee Percentage is greater than the IPR Guaranteed Amount. For a reset, you must send a written request in Good Order to the VPSC at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus. The reset will take effect on the Policy Anniversary immediately following the date we receive the request to reset (the “Rider Reset Effective Date”) and, at such time, the IPR Guaranteed Amount will be increased to the IPR Guarantee Percentage of your Accumulation Value as of the Rider Reset Effective Date. After the reset(s), IPR Guaranteed Amount Proportional Reductions still apply during the new Holding Period. Additionally, upon reset of policies purchased on or after November 13, 2023, for any Holding Period selected, where the Guarantee Percentage under the IPR is 101% or more, the terms of the IPR Death Benefit are also reset so that the death of the Owner must be within or after the last two years of the new Holding Period End Date in order for the IPR Death Benefit to equal the Guaranteed Amount; if the death of the Owner is earlier than within two years of the new Holding Period End Date, the IPR Death Benefit will be the Accumulation Value as of the Rider Reset Effective Date less any proportional withdrawals. Please be advised that the charge you pay for the IPR after you elect to reset (including any applicable IPR Termination and Withdrawal Charge) may be different than the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">charges you paid prior to the Rider Reset Effective Date; provided, however, that such charges will never exceed the guaranteed maximum charge set forth in the “TABLE OF FEES AND EXPENSES.” Please see the Rate Sheet Prospectus Supplement that is in effect as of your Rider Reset Effective Date for the charges that will apply to your IPR after reset. In addition, upon reset, your allocation restrictions may change. Please consult your investment adviser representative before exercising your right to reset.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you elect to reset, a new rider Holding Period with the same duration as the original rider Holding Period will </span><span style="color:#000000;font-family:Arial;font-size:10pt;">begin as of the Rider Reset Effective Date. This means, for example, if you purchase the IPR with a 12 year Holding Period, and you elect to reset in policy year four (4), a new 12-year Holding Period will begin on the Policy Anniversary immediately following the date we receive your request to reset. You will not be eligible to receive a one-time adjustment to your Accumulation Value until the Policy Anniversary following the end of the new rider Holding Period. Other than in New York, we can suspend or discontinue the ability to reset the IPR Guaranteed Amount at any time in our sole discretion on a nondiscriminatory basis. If we decide to suspend or discontinue the ability to reset the IPR Guaranteed Amount, we will promptly notify you in writing. Please contact investment adviser representative for more information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A policyowner may cancel an IPR Reset at any time prior to or within thirty (30) days after the Rider Reset Effective </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Date. If you cancel your request to reset, no change will be made to the IPR Guaranteed Amount, Holding Period, Holding Period End Date, Rider Effective Date (if previously reset, the Rider Reset Effective Date), allocation restrictions, the IPR Charge or IPR Termination and Withdrawal Charge, if applicable.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">Example of an IPR Reset</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">In this example, we have assumed the following</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR with a 10-year Holding Period is purchased at the time of application;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">An initial premium payment of $100,000 is made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your IPR Guarantee Percentage is 100%, therefore, the Guaranteed Amount equals 100% of the sum of all premium payments that we receive in the first Policy Year, less all Guaranteed Amount Proportional Reductions made during the rider Holding Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional premium payments are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">On Policy Year 4, after deduction of all cumulative policy fees and charges, including Advisory Fees (in states other than New York), your Accumulation Value increases due to market gain to $130,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Because you have experienced market gains by Policy Year 4, you decide to request an IPR Reset as of the 4th Policy Anniversary;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the reset, your new Guaranteed Amount is $130,000; and</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(8)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your Holding Period End Date is extended an additional 10 years (Policy Year 14).</span> <span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">How the IPR is Calculated</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We have set forth below an example of how the benefit from the IPR may be realized, how withdrawals (including </span><span style="color:#000000;font-family:Arial;font-size:10pt;">required minimum distributions from IRAs) will impact the IPR Guaranteed Amount, and how we calculate IPR Guaranteed Amount Proportional Reduction. In this example, we have assumed the following:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR with a 10, 12, 13, 14, or 15-year Holding Period is purchased at the time of application;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">An initial premium payment of $100,000 is made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your IPR Guarantee Percentage is 100%, therefore, the Guaranteed Amount equals 100% of the sum of all premium payments that we receive in the first Policy Year, less all Guaranteed Amount Proportional Reductions made during the rider Holding Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional premium payments are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cumulative withdrawals to pay Advisory Fees total $8,000 by the eighth policy year;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A withdrawal of $20,000 is made in the eighth policy year;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your Accumulation Value immediately preceding the withdrawal has decreased to $80,000; and</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(8)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">As of the Holding Period End Date, your Accumulation Value on the Policy Anniversary corresponding to the Holding Period you chose has decreased to $50,000.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The IPR Guaranteed Amount when we issued the policy was $100,000. When the withdrawal was made in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">eighth Policy Year, we reduced the IPR Guaranteed Amount by the amount of the IPR Guaranteed Amount Proportional Reduction. We calculated the amount of the IPR Guaranteed Amount Proportional Reduction by taking the requested withdrawal amount, dividing it by the Accumulation Value immediately preceding the withdrawal, and then multiplying that number by the IPR Guaranteed Amount immediately preceding the withdrawal. Withdrawals to pay Advisory Fees do not count towards the proportional reduction.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR Guaranteed Amount Proportional Reduction = ($20,000/$80,000) x $100,000 = $25,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">To determine the new IPR Guaranteed Amount after the withdrawal, we subtracted the amount of the IPR </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Guaranteed Amount Proportional Reduction from the initial IPR Guaranteed Amount: ($100,000 – $25,000) = $75,000.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">On the Policy Anniversary for the Holding Period you chose, the Accumulation Value ($50,000) is less than the IPR </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Guaranteed Amount of $75,000. Therefore, you are eligible to receive a one-time adjustment to your Accumulation Value of $25,000.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">After the adjustment is paid, the rider will end. You would not have been eligible to receive this adjustment to your </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accumulation Value if you had not purchased the IPR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Upon your death, the IPR and the policy will terminate unless your spouse chooses to continue the policy. Your </span><span style="color:#000000;font-family:Arial;font-size:10pt;">spouse must be the sole primary beneficiary to continue the IPR and the policy. If your spouse chooses to continue the IPR and the policy, no death benefit proceeds will be paid upon your death. See “Spousal Continuance with the IPR” below for more information.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">IPR Death Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;text-decoration:underline;">(not available in certain jurisdictions)</span><span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">If you purchased your policy on or prior to November 12, 2023</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">For the 10, 12, 13, 14 and 15-year Holding Periods:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies on or before the Holding Period End Date and the Owner’s spouse does not continue the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">pursuant to the policy’s death benefit provisions, the IPR Death Benefit will be equal to the greatest of 1, 2 or 3(a).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies after the Holding Period End Date and the Owner’s spouse does not continue the policy pursuant </span><span style="color:#000000;font-family:Arial;font-size:10pt;">to the policy’s spousal continuance provisions, the IPR Death Benefit will be equal to the greatest of 1, 2 or 3(b).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Standard Death Benefit payable under the policy (see “DESCRIPTION OF BENEFITS – The Standard Death Benefit–Death Before Annuity Commencement”);</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any death benefit available under any other rider attached to the policy; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit, which is:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Guaranteed Amount; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Guaranteed Amount on the Holding Period End Date, increased by any premium payments received after the Holding Period End Date and reduced proportionally for withdrawals (including required minimum distributions from IRAs, but excluding amounts withdrawn to pay Advisory Fees) taken after the Holding Period End Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For the IPR Death Benefit in (b) above, the proportional reduction for withdrawals is equal to the amount withdrawn </span><span style="color:#000000;font-family:Arial;font-size:10pt;">((including any IPR Termination and Withdrawal Charges you may incur as a result of the withdrawal, but excluding any amounts withdrawn to pay Advisory Fees), divided by the policy’s Accumulation Value immediately preceding the withdrawal, multiplied by the IPR Death Benefit immediately preceding the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">If you purchased your policy on or after November 13, 2023</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">For policies where the IPR Guarantee Percentage is 100% or less:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies on or before the Holding Period End Date and the Owner’s spouse does not continue the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">pursuant to the policy’s death benefit provisions, the IPR Death Benefit will be equal to the greatest of 1, 2 or 3(a).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies after the Holding Period End Date and the Owner’s spouse does not continue the policy pursuant </span><span style="color:#000000;font-family:Arial;font-size:10pt;">to the policy’s spousal continuance provisions, the IPR Death Benefit will be equal to the greatest of 1, 2 or 3(b).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Standard Benefit payable under the policy. (See “DESCRIPTION OF BENEFITS – The Standard Death Benefit–Death Before Annuity Commencement”.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any death benefit available under any other rider attached to the policy; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR death benefit, which is:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Guaranteed Amount; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Guaranteed Amount on the Holding Period End Date, increased by any premium payments received after the Holding Period End Date and reduced proportionally for withdrawals (including required minimum distributions from IRAs, but excluding amounts withdrawn to pay Advisory Fees) taken after the Holding Period End Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For the IPR death benefit in (b) above, the proportional reduction for partial withdrawals is equal to the amount </span><span style="color:#000000;font-family:Arial;font-size:10pt;">withdrawn (including any Surrender Charges that you may incur as a result of the withdrawal), divided by the policy’s Accumulation Value immediately preceding the withdrawal, multiplied by the IPR death benefit immediately preceding the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">For policies where the IPR Guarantee Percentage is 101% or more:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies within the last two (2) years of the rider Holding Period and the Owner’s spouse does not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">continue the policy pursuant to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(a).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies before the last two (2) years of the rider Holding Period and the Owner’s spouse does not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">continue the policy pursuant to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(b).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies after the Holding Period End Date and the Owner’s spouse does not continue the policy pursuant </span><span style="color:#000000;font-family:Arial;font-size:10pt;">to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(c).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the death benefit payable under the policy. (See “DESCRIPTION OF BENEFITS – The Standard Death Benefit–Death Before Annuity Commencement”.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any death benefit available under any other rider attached to the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit, which is:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A portion of the Guaranteed Amount which is determined by dividing the Guaranteed Amount by the applicable IPR Guarantee Percentage as reflected on your IPR rider date page (See the Rate Sheet Prospectus Supplement for the IPR Guaranteed Amount Percentage applicable for new purchases); or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount on the Holding Period End Date, increased by any premium payments received after the Holding Period End Date and reduced proportionally for withdrawals (including required minimum distributions from IRAs, but excluding amounts withdrawn to pay Advisory Fees) taken after the Holding Period End Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For the IPR death benefit in (c) above, the proportional reduction for partial withdrawals is equal to the amount </span><span style="color:#000000;font-family:Arial;font-size:10pt;">withdrawn (including any Surrender Charges that you may incur as a result of the withdrawal), divided by the policy’s Accumulation Value immediately preceding the withdrawal, multiplied by the IPR death benefit immediately preceding the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Payment of a death benefit terminates the IPR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">It is important to note that for purposes of calculating the IPR Guaranteed Amount under the IPR Death Benefit, </span><span style="color:#000000;font-family:Arial;font-size:10pt;">partial withdrawals (including required minimum distributions, but excluding amounts withdrawn to pay Advisory Fees in states other than New York) proportionally reduce the IPR Guaranteed Amount while additional premium payments made in the first Policy Year increase the IPR Guaranteed Amount dollar for dollar. This means that under certain market conditions, a partial withdrawal could have a much more significant impact on the IPR Guaranteed Amount (negatively) than would a premium payment made in the same amount (positively).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For example, assume that you are in your first Policy Year. You made an initial premium payment of $100,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Assuming that the IPR Guarantee Percentage is 100%, your Guaranteed Amount will be 100% of the sum of all premium payments that we receive in the first Policy Year (i.e., $100,000). Assume further, however, that your Accumulation Value immediately dropped due to negative market performance and is now only $80,000. If you requested a withdrawal of $20,000 at a time where your Accumulation Value was less that the IPR Guaranteed Amount, the IPR Guaranteed Amount Proportional Reduction would operate to lower the IPR Guaranteed Amount by $25,000. Your IPR Guaranteed Amount after the withdrawal would be $75,000. See the above “How the IPR is Calculated” to see how this would occur. Although you only requested a withdrawal of $20,000, it resulted in a $25,000 reduction of the benefit guaranteed by the IPR. If, however, there had been no negative market performance and you made a premium payment of $20,000 instead of a withdrawal, the effect on your IPR Guarantee would be to increase your IPR Guaranteed Amount by $20,000 so that it is now $120,000. A withdrawal, therefore, may have a greater impact on the value of the benefit than would a payment made in the same amount. Please consult your investment adviser representative before making a withdrawal to discuss its impact on your IPR benefit.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">Spousal Continuance with the IPR</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Using the first death benefit above example, assume that instead of electing the IPR Death Benefit when the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">policyowner died in Policy Year 5, the surviving spouse elected to continue the policy as the new Owner. All of the values that existed at the time of the original policyowner’s death would simply continue as though the spouse as the new Owner had purchased the policy on the original Policy Date. For example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Guaranteed Amount would be $150,000 because the deceased spouse reset it in Policy Year 4. Since a new 10 year Holding Period began upon the reset, there are 9 years left in the IPR Holding Period.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Accumulation Value in Policy Year 5 at the time of death is still $140,000 and the policy will continue. The surviving spouse has all rights under the policy, including the ability to make transfers, premium payments and withdrawals. The surviving spouse may also elect to reset the IPR Guaranteed Amount if he or she chooses.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Please note that for jointly-owned policies, a spouse can only elect to continue the policy if the surviving spouse </span><span style="color:#000000;font-family:Arial;font-size:10pt;">has been designated the sole primary beneficiary of the policy. If someone other than the surviving spouse is designated as a beneficiary, the spousal continuance option is not available.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;text-decoration:underline;">Impact of Advisory Fees on the IPR (in states other than New York)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Here is an example of how withdrawals to pay Advisory Fees impact the IPR Guaranteed Amount.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The IPR Guaranteed Amount will equal the IPR Guarantee Percentage of the sum of all premium payments made </span><span style="color:#000000;font-family:Arial;font-size:10pt;">in the first Policy Year, less all IPR Guaranteed Amount Proportional Reductions made during the rider Holding Period. Withdrawals to pay Advisory Fees, however, are not considered an IPR Guaranteed Amount Proportional Reduction and therefore do not operate to reduce the IPR Guaranteed Amount. Assuming the following:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR with a 10-year Holding Period is purchased at the time of application;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">An initial premium payment of $100,000 is made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Guarantee Percentage is 100%; therefore, the Guaranteed Amount is 100% of the sum of all premium payments that we receive in the first Policy Year, less all Guaranteed Amount Proportional Reductions made during the rider Holding Period</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional premium payments or withdrawals are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A withdrawal of $800 is made each year for 10 years to pay Advisory Fees;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No other withdrawals are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">On the 10th Policy Anniversary (the Holding Period End Date), your Accumulation Value has decreased to $80,000 due to market losses and cumulative withdrawals of $8,000 to pay Advisory Fees;</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The IPR Guaranteed Amount when we issued the policy was $100,000 (the IPR Guarantee Percentage of the sum </span><span style="color:#000000;font-family:Arial;font-size:10pt;">of the premiums paid in the first Policy Year). Because amounts withdrawn to pay Advisory Fees do not operate to reduce the amount guaranteed, the IPR Guaranteed Amount has remained $100,000 after the 10-year Holding Period. On the 10th Policy Anniversary, the Accumulation Value ($80,000) is less than the IPR Guaranteed Amount of $100,000. Therefore, on your 10th Policy Anniversary, you will be eligible to receive a one-time increase of $20,000 to your Accumulation Value. See “DESCRIPTION OF BENEFITS—Investment Preservation Rider - Advisory” for more information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Withdrawals to pay Advisory Fees do, however, impact the amount that could be guaranteed under the rider if you </span><span style="color:#000000;font-family:Arial;font-size:10pt;">elect an IPR Reset. At any point while the IPR is in effect, if your Accumulation Value is greater than the IPR Guaranteed Amount, you can elect to “reset” your rider (an IPR Reset) so that the new guaranteed amount will equal your IPR Guarantee Percentage of the higher Accumulation Value. To the extent that payment of Advisory Fees from your policy reduce your Accumulation Value, such fees will also reduce the potential for increases in the IPR Guaranteed Amount that could be elected under an IPR Reset. See “DESCRIPTION OF BENEFITS—Investment Preservation Rider – Advisory—IPR Reset” for more information about to conditions and consequences of an IPR Reset. Please consult your investment adviser representative to determine whether an IPR Reset may be appropriate for you.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;text-decoration:underline;">Impact of Advisory Fees on an IPR Reset (in states other than New York)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To demonstrate the impact of Advisory Fees on an IPR Reset, assume the following:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR with a 10-year Holding Period is purchased at the time of application;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">An initial premium payment of $100,000 is made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount equals 100% of the sum of all premium payments that we receive in the first Policy Year, less all Guaranteed Amount Proportional Reductions made during the rider Holding Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional premium payments are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your IPR Guaranteed Amount is $100,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">By Policy Year 4, you have paid policy fees and charges, as well as cumulative Advisory Fees. Nevertheless, your Accumulation Value has increased to $130,000 due to market gains. You choose to elect an IPR Reset to lock-in those gains to increase your Guaranteed Amount under the IPR;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You request an IPR Reset as of the 4</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:10pt;"> policy anniversary;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(8)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the request to reset, your new Guaranteed Amount is $130,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(9)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your Holding Period End Date is extended an additional 10 years on the 4</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:10pt;"> policy anniversary (Policy Year 14).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Because Advisory Fees reduce your Accumulation Value dollar for dollar by the amount paid, they limit potential </span><span style="color:#000000;font-family:Arial;font-size:10pt;">increases to the amount you could guarantee under an IPR Reset as calculated in (5) above.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">Calculation of the IPR Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Here is an example of how the IPR Death Benefit is calculated:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR with a 10-year Holding Period is purchased at the time of application;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">An initial premium payment of $100,000 is made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guarantee Percentage is 100%; therefore, the Guaranteed Amount is 100% of the sum of all premium payments that we receive in the first Policy Year, less all the Guaranteed Amount Proportional Reductions made during the rider Holding Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional premium payments or withdrawals are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">As of the fourth Policy Anniversary, an IPR Reset is requested because the Accumulation Value has increased to $150,000. After the resent, the new IPR Guaranteed Amount is increased to $150,000 and a new 10 year Holding Period has begun;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You die in the fifth Policy Year, and the Accumulation Value upon death is now $140,000 due to market fluctuations;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon death in the fifth Policy Year, the death benefit payable is the greater of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1) The Standard Death Benefit, which is</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulation Value upon death</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">= $140,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">or</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Return of Premium Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">= $100,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2) The IPR Death Benefit, which is</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the IPR Guaranteed Amount</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">= $150,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">In this example, your beneficiary would receive the IPR Death Benefit amount of </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">$150,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Here is another example of how the IPR Death Benefit is calculated. For this example, assume:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR with a 10 year Holding Period is purchased at the time of application on or after November 13, 2023;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You made an initial premium payment of $100,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your IPR Guarantee Percentage is 105%; therefore, the Guaranteed Amount is 105% of the sum of all premium payments that we receive in the first Policy Year, less all Guaranteed Amount Proportional Reductions made during the rider Holding Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional premium payments or withdrawals are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">As of the fourth Policy Anniversary, an IPR Reset is requested because the Accumulation Value has increased to $150,000. After the resent, the new IPR Guaranteed Amount is increased to $157,500 and a new Holding Period has begun;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You die in the fifth Policy Year, and the Accumulation Value upon death is now $140,000 due to market fluctuations;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon death in the fifth Policy Year, the death benefit payable is the greater of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Standard Death Benefit, which is The Accumulation Value upon death = $140,000 or;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Return of Premium Death Benefit = $100,000 or;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit = $150,000 (calculated as follows $157,500 / 105% = $150,000) (the Guaranteed Amount is not payable because death occurred prior to the final two years of the new Holding Period).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">In this example, your beneficiary would receive the IPR Death Benefit amount of $150,000. If death occurred within </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the last two years of the new Holding Period End Date or after the new Holding Period End Date, the IPR Death Benefit would have been $157,500.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Automatic Asset Rebalancing</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">This policy feature, which is available at no additional cost, allows you to automatically maintain the percentage of </span><span style="color:#000000;font-family:Arial;font-size:10pt;">your Variable Accumulation Value allocated to each Investment Division at a pre-set level. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">In states other than New York, unless you opt out of AAR on your application or in a subsequent notice, your policy will be subject to AAR. In New York, you must affirmatively elect AAR on your application or in a subsequent notice for your policy to be subject to AAR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">AAR works as follows:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You might specify that 50% of the Variable Accumulation Value of your policy be allocated to the MainStay VP </span><span style="color:#000000;font-family:Arial;font-size:10pt;">MacKay Convertible Investment Division and 50% of the Variable Accumulation Value be allocated to the PineStone International Equity Investment Division. Over time, the fluctuations in returns from each of these Investment Divisions will shift the percentages of your Variable Accumulation Value in each Investment Division. Using AAR, NYLIAC will automatically transfer your Variable Accumulation Value back to the percentages you specify.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can choose to have AAR transfers made on your quarterly, semi-annual, or annual Policy Anniversary.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">If at any time you elect not to use the AAR feature and then change your mind, you or </span><span style="font-family:Arial;font-size:10pt;">the</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">Investment Advisor must send a completed AAR request form to the VPSC at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus or by any other method we make available. The VPSC must receive the completed AAR request form at least five Business Days before the date that the rebalancing is scheduled to begin. If we receive your completed AAR request form for this option less than five Business Days prior to the date you request rebalancing to begin, the reallocation will begin on the next rebalancing date based on the rebalancing frequency you selected. Faxed and e-mailed AAR requests are not currently accepted; however, we reserve the right to accept them at our discretion. You may modify an existing AAR by contacting us by phone at the number provided in the “CONTACTING NYLIAC” section of this Prospectus. We will suspend AAR automatically if the Variable Accumulation Value is less than $2,500 on a reallocation date. Once the Variable Accumulation Value equals or exceeds this amount, AAR will resume automatically as scheduled. There is no minimum amount that you must allocate among the Investment Divisions under this option. AAR may be cancelled if a premium allocation change or transfer is submitted on your behalf that is inconsistent with your current AAR arrangement. You may prevent this cancellation if a conforming AAR change is processed within one Business Day of the inconsistent premium allocation change or transfer.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You may cancel the AAR feature at any time by sending a written cancellation request in Good Order to the VPSC </span><span style="color:#000000;font-family:Arial;font-size:10pt;">or by contacting us by phone or online as described in the “CONTACTING NYLIAC” section of this Prospectus. You may not elect the AAR feature if you have selected the traditional Dollar Cost Averaging option. However, you have the option of alternating between these two features.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Dollar Cost Averaging Programs</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The main objective of dollar cost averaging is to achieve an average cost per Accumulation Unit that is lower than </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the average price per Accumulation Unit during volatile market conditions. Since you transfer the same dollar amount to an Investment Division with each transfer, you purchase more units in an Investment Division if the value per unit is low and fewer units if the value per unit is high. Therefore, you may achieve a lower-than-average cost per unit if prices fluctuate over the long term. Similarly, for each transfer out of an Investment Division, you sell more units in an Investment Division if the value per unit is low and fewer units if the value per unit is high. Dollar cost averaging does not assure a profit in rising markets or protect against a loss in declining markets. Because it involves continuous investing regardless of price levels, you should consider your financial ability to continue to make purchases during periods of varying price levels. We do not count transfers under dollar cost averaging as part of your 25 free transfers each Policy Year. There is no charge imposed for either of the Dollar Cost Averaging programs.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We have set forth below an example of how dollar cost averaging works. In the example, we have assumed that </span><span style="color:#000000;font-family:Arial;font-size:10pt;">you want to transfer $100 from the MainStay VP U.S. Government Money Market Investment Division to the MainStay VP Wellington U.S. Equity—Service Class Investment Division each month. Assuming the Accumulation Unit values below, you would purchase the following number of Accumulation Units:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0%;">The average unit price is calculated as follows:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0%;">The average unit cost is calculated as follows:</span><span style="color:#000000;font-family:Arial;font-size:1pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">In this example, with dollar cost averaging you would have paid an average of $9.13 per unit while the average </span><span style="color:#000000;font-family:Arial;font-size:10pt;">price per unit during the purchase period was $9.50. Keep in mind that it is also possible for dollar cost averaging to result in a loss. For example, if Accumulation Unit Values had increased rapidly over the four-month period used in the example above, you would have achieved a lower average unit cost by making the entire purchase in the first month.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Traditional Dollar Cost Averaging (not available with the IPR)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">This option, which is available at no additional cost, permits systematic investing to be made in equal installments </span><span style="color:#000000;font-family:Arial;font-size:10pt;">over various market cycles to help reduce risk. You may specify, prior to the Annuity Commencement Date, a specific dollar amount to be transferred from any Investment Division to any combination of Investment Divisions You will specify the Investment Division(s) to transfer money from, the Investment Division(s) to transfer money to, the amounts to be transferred, the date on which transfers will be made, subject to our rules, and the frequency of the transfers (monthly, quarterly, semi–annually or annually). Each transfer from an Investment Division must be at least </span><span style="color:#000000;font-family:Arial;font-size:10pt;">$100. You must have a minimum Accumulation Value of $2,500 to elect this option. Once all money has been allocated to the Investment Divisions of your choice or the balance in the Investment Division(s) you are transferring from is less than $100, the traditional Dollar Cost Averaging option will cease. A new request must be submitted to reactivate this feature. NYLIAC may reduce the minimum transfer amount and minimum Accumulation Value at its discretion.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">NYLIAC will make all traditional Dollar Cost Averaging transfers on the day of each calendar month that you specify </span><span style="font-family:Arial;font-size:10pt;">or on the next Business Day (if the day you have specified is not a Business Day). You may specify any day of the month except the 29</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial;font-size:10pt;">, 30</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial;font-size:10pt;">, or 31</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="font-family:Arial;font-size:10pt;">. In order to process transfers under our traditional Dollar Cost Averaging Option, you or the</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">Investment Advisor must send a written request in Good Order to the VPSC, at the address provided in the “CONTACTING NYLIAC” section of this Prospectus, or by any other method we may make available, no later than five Business Days prior to the date transfers are to begin. If your traditional Dollar Cost Averaging request is received less than five Business Days prior to the date you request it to begin, the transfers will begin on the day of the month you specify in the month following the receipt of your request in Good Order.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You may cancel the traditional Dollar Cost Averaging option at any time. To cancel the traditional Dollar Cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Averaging Option, you or your investment adviser representative must either send a written cancellation request in Good Order to the VPSC or at the address provided in the “CONTACTING NYLIAC” section of this Prospectus, call us at 1-800-598-2019, or by any other method we may make available. NYLIAC may also cancel this option if the Accumulation Value is less than $2,000, or such lower amount as we may determine. You may not elect the traditional Dollar Cost Averaging option if you have selected the Automatic Asset Rebalancing option. However, you have the option of alternating between these two features.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">The DCA Advantage Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">This feature, which is available at no additional cost, permits you to set up automatic dollar cost averaging using </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the DCA Advantage Account when an initial premium payment or a subsequent premium payment is made. The DCA Advantage Account transfers amounts automatically to the Investment Divisions you choose in up to six monthly increments, as described below. We credit amounts in the DCA Advantage Account with interest. You can request the DCA Advantage Account in addition to traditional Dollar Cost Averaging or Automatic Asset Rebalancing. To set up a DCA Advantage Account you or your investment adviser representative must send written notice on a form specified by NYLIAC to the VPSC at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus or use any other method we may make available.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you wish to allocate to the DCA Advantage Account, each premium payment you allocate to it must be at least </span><span style="color:#000000;font-family:Arial;font-size:10pt;">$2,000. If your payment is less than the $2,000 minimum, it will not be allocated to the DCA Advantage Account. Instead, it will be automatically applied directly to the Investment Divisions that you have specified to receive transfers from the DCA Advantage Account. You must specify the Investment Divisions into which transfers from the DCA Advantage Account are to be made. However, you may not select the DCA Advantage Account if its duration would extend beyond the Annuity Commencement Date. We do not count transfers out of the DCA Advantage Account as part of your 25 free transfers each Policy Year. Dollar cost averaging will begin one month from the date NYLIAC receives the premium payment and transfers will be made on the same day (or on the next Business Day if the day is not a Business Day) each subsequent month for the duration of the DCA Advantage Account. If a transfer is scheduled to occur on a day that does not exist in a month, it will be processed on the last day of that month or on the next Business Day if the last day of that month is not a Business Day. The amount of each transfer will be calculated at the time of the transfer based on the number of remaining monthly transfers and the remaining value in the DCA Advantage Account. For example, the amount of the first monthly transfer out of the DCA Advantage Account will equal 1/6 of the value of the DCA Advantage Account on the date of the transfer. The amount of each of the five remaining transfers will equal 1/5, ¼, 1/3, ½ and the remainder of the balance, respectively, of the value of the DCA Advantage Account on the date of each transfer.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You may not have more than one DCA Advantage Account open at the same time. Accordingly, any subsequent </span><span style="color:#000000;font-family:Arial;font-size:10pt;">premium payment we receive for a DCA Advantage Account that is already open will be allocated to that same DCA Advantage Account and will earn the same interest rate. The entire value of the DCA Advantage Account will be completely transferred to the Investment Divisions within the duration specified. For example, if you allocate an initial premium payment to the DCA Advantage Account under which the 6–month term will end on December 31 and you make a subsequent premium payment to the 6-month DCA Advantage Account before December 31, we will allocate the subsequent premium payment to the same 6-month DCA Advantage Account already opened and transfer the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">entire value of the 6-month DCA Advantage Account to the Investment Divisions by December 31 even though a portion of the money was not in that DCA Advantage Account for the entire 6-month period. If an additional premium payment of $2,000 or more is allocated to the DCA Advantage Account after the duration has expired, the DCA Advantage Account will be re-activated and will earn the interest rate that is in effect on the Business Day the new premium payment is received at the VPSC (which may be different than prior interest rates applicable to prior DCA Advantage Accounts).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You can make partial withdrawals and transfers (in addition to the automatic transfers described above) from the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">DCA Advantage Account. We will make partial withdrawals and transfers first from the DCA Advantage Account Accumulation Value attributed to the initial premium payment and then from the DCA Advantage Account Accumulation Value attributed to subsequent allocations in the order received.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">You cannot make transfers into the DCA Advantage Account from any Allocation Option.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Portfolios Available Under the Policy</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The following is a list of Portfolios available under the policy, which is subject to change, as discussed in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">prospectus. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolios. You can find the prospectuses and other information about the Portfolios online at https://dfinview.com/NewYorkLife/TAHD/premieradvisory. You can also request this information at no cost by calling the VPSC at 1-800-598-2019 or by sending an email request with your name and mailing address to PremierAdvisoryProspectus@newyorklife.com.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You may allocate your premium payments or other </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accumulation Value to up to 18 different Investment Divisions at any one time in addition to the DCA Advantage Account.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios but does not </span><span style="font-family:Arial;font-size:10pt;">reflect the other fees and expenses that your policy or the</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">Investment Advisor may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you purchased the IPR you may not be able to invest in certain Portfolios. For the 12, 13, 14 and 15-year holding </span><span style="color:#000000;font-family:Arial;font-size:10pt;">period options, your available allocation options are listed in APPENDIX 1B. For the 7-year and 10-year holding period options, your available allocation options are listed in APPENDIX 1C.</span><span style="color:#000000;font-family:Arial;font-size:1pt;margin-left:0%;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP American Century Sustainable </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:10pt;margin-left:0.0pt;">Equity — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investment</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:10pt;font-style:italic;margin-left:0.0pt;">Management LLC (“New York Life Investments”)</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/</span><span style="font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Investment </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:10pt;font-style:italic;margin-left:0.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">24.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.46%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Balanced — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadvisers: </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:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors LLC (“NYL Investors”) and </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:10pt;font-style:italic;margin-left:0.0pt;">Wellington Management Company LLP </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:10pt;font-style:italic;margin-left:0.0pt;">(“Wellington”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.95%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.28%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.90%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Bond — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.77%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.71%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.45%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP CBRE Global Infrastructure — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">CBRE Investment Management Listed Real Assets </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:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.46%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(2.84)%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">MainStay VP Conservative Allocation — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.38%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.82%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Epoch U.S. Equity Yield — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Epoch Investment Partners, Inc. (“Epoch”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.93%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.42%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.91%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Equity Allocation — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.45%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.62%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Fidelity Institutional AM</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:10pt;margin-left:0.0pt;"> Utilities — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">FIAM LLC (“FIAM”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1.71)%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.15%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Floating Rate — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.58%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.69%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.54%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Growth Allocation — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.96%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Hedge Multi-Strategy (formerly </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:10pt;margin-left:0.0pt;">MainStay VP IQ Hedge Multi-Strategy) — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ Advisors LLC (“IndexIQ”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.32%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.53%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1.67)%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Income Builder — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadvisers: </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:10pt;font-style:italic;margin-left:0.0pt;">Epoch and MacKay Shields LLC (“MacKay”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.78%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.78%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.75%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Janus Henderson Balanced — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC (“Janus </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:10pt;font-style:italic;margin-left:0.0pt;">Henderson”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.23%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.48%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.78%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP MacKay Convertible — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.58%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.23%</span></div></div></td></tr> <tr style="height:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate </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:10pt;margin-left:0.0pt;">Bond — Service Class</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.59%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.04%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.47%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP MacKay Strategic Bond — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.18%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.49%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond </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:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay Government) — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.74%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.72%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Moderate Allocation — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.90%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Natural Resources — Initial Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment Management North America, </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:10pt;font-style:italic;margin-left:0.0pt;">LLC ("NIMNA")</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.79%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company LLC </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:10pt;font-style:italic;margin-left:0.0pt;">(“PIMCO”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.46%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.01%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP PineStone International Equity </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:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay International </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:10pt;margin-left:0.0pt;">Equity) — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">PineStone Asset Management Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.85%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.37%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">25.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.25%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.53%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Small Cap Growth — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadvisers: </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:10pt;font-style:italic;margin-left:0.0pt;">Brown Advisory LLC and Segall Bryant &amp; Hamill, </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:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.29%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.26%</span></div></div></td></tr> <tr style="height:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Money Market</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">MainStay VP U.S. Government Money Market — </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:10pt;margin-left:0.0pt;">Initial Class</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</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:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.28%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.61%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.99%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.41%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.93%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.39%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Wellington Small Cap — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.99%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.60%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.42%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.99%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Wellington U.S. Equity — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">24.27%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.88%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.19%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Winslow Large Cap Growth — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</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:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Winslow Capital Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.99%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">42.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.29%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.18%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio — Class B</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.57%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.05%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS Asset Allocation Fund — Class </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:10pt;margin-left:0.0pt;">4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and Management </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:10pt;font-style:italic;margin-left:0.0pt;">Company</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> (“CRMC”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.98%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS The Bond Fund of America</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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">— Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.62%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.83%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS Capital World Bond 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:10pt;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:10pt;margin-left:0.0pt;">Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.56)%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.12%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS Global Small Capitalization </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:10pt;margin-left:0.0pt;">Fund — Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.16%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.51%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS Growth Fund — Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">38.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.07%</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">American Funds IS New World 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:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.07%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.67%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.37%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.43%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS U.S. Government Securities </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:10pt;margin-left:0.0pt;">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:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.62%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.27%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors </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:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.77%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.97%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.33%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.64%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">BlackRock</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:10pt;margin-left:0.0pt;"> Global Allocation V.I. Fund — Class III</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC (“BlackRock”)</span><span style="font-family:Arial;font-size:10pt;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:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock (Singapore) Limited and </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:10pt;font-style:italic;margin-left:0.0pt;">BlackRock International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.49%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.63%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">BlackRock</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:10pt;margin-left:0.0pt;"> High Yield V.I. Fund — Class III</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock </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:10pt;font-style:italic;margin-left:0.0pt;">International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.94%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.49%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.21%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">BNY Mellon IP Technology Growth Portfolio — </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:10pt;margin-left:0.0pt;">Service Shares</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span><span style="font-family:Arial;font-size:10pt;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:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NIMNA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">59.00%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.94%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity Portfolio — </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:10pt;margin-left:0.0pt;">Service Shares</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span><span style="font-family:Arial;font-size:10pt;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:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment Management </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:10pt;font-style:italic;margin-left:0.0pt;">Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">23.50%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.18%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio — </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:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, LLC </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:10pt;font-style:italic;margin-left:0.0pt;">("FTFA”)</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ClearBridge Investments, </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:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.97%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets </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:10pt;margin-left:0.0pt;">Bond Fund — Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment </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:10pt;font-style:italic;margin-left:0.0pt;">Advisers, LLC (“Columbia”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.00%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.57%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.20%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate Bond </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:10pt;margin-left:0.0pt;">Fund — Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.34%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.99%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Small Cap 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:10pt;margin-left:0.0pt;">Fund — Class 2</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">21.67%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.39%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.40%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP — Class B</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management Americas </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:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">RREEF America LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.21%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.67%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.63%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Bond Index Portfolio — Service Class </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:10pt;margin-left:0.0pt;">2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research </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:10pt;font-style:italic;margin-left:0.0pt;">Company LLC (“FMR”)</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other </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:10pt;font-style:italic;margin-left:0.0pt;">investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.64%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;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;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Portfolio — Service </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:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">33.12%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.36%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.33%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Emerging Markets Portfolio — </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:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.49%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.55%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.92%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Service </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:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Extended Market Index Portfolio — </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:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode Capital </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:10pt;font-style:italic;margin-left:0.0pt;">Management, LLC (“Geode”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP FundsManager</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:10pt;margin-left:0.0pt;"> 60% Portfolio — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.71%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.17%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.61%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.26%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Growth Opportunities Portfolio — </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:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">45.30%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.44%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Health Care Portfolio — Service </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:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.50%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.39%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP International Index Portfolio — </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:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.42%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.88%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.89%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Investment Grade Bond Portfolio — </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:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.63%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.00%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.08%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio — Service Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.17%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.85%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Franklin Templeton Aggressive Model Portfolio — </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:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc. </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:10pt;font-style:italic;margin-left:0.0pt;">(“Franklin Advisers”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.91%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model </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:10pt;margin-left:0.0pt;">Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.88%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.53%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio — </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:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.18%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative </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:10pt;margin-left:0.0pt;">Model Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Franklin Templeton Conservative Model </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:10pt;margin-left:0.0pt;">Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund — </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:10pt;margin-left:0.0pt;">Series II Shares</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc. (“Invesco”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.07%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;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:10pt;margin-left:0.0pt;">Series II Shares</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.66%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Janus Henderson Enterprise Portfolio — Service </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:10pt;margin-left:0.0pt;">Shares</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.97%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.78%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.82%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Janus Henderson Global Research Portfolio — </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:10pt;margin-left:0.0pt;">Service Shares</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">26.47%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.05%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.74%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Macquarie VIP Small Cap Value Series (formerly </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:10pt;margin-left:0.0pt;">Delaware</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:10pt;margin-left:0.0pt;"> VIP Small Cap Value Series) — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, 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:10pt;font-style:italic;margin-left:0.0pt;">series of Macquarie Investment Management </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:10pt;font-style:italic;margin-left:0.0pt;">Business Trust (a Delaware statutory trust)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.77%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services </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:10pt;font-style:italic;margin-left:0.0pt;">Company (“MFS”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.37%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.66%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> Investors Trust Series — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.27%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.00%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> Mid Cap Value Portfolio — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.60%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.46%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> Research International Portfolio — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.23%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.89%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> Research Series — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">22.12%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.55%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Morgan Stanley VIF U.S. Real Estate Portfolio — </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:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Morgan Stanley Investment Management </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:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.26%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth </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:10pt;margin-left:0.0pt;">Portfolio — Class S</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment Advisers </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:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.69%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">PIMCO VIT International Bond Portfolio (U.S. </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:10pt;margin-left:0.0pt;">Dollar-Hedged) — Advisor Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.91%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.54%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">PIMCO VIT Low Duration Portfolio — Advisor </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.88%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.82%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">PIMCO VIT Short-Term Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.76%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.60%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Principal VC Real Estate Securities Account — </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:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Global Investors, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;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:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Real Estate Investors, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.24%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.44%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Putnam VT International Value Fund — Class IB</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;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:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investments Limited and 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:10pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.68%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.88%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Voya Growth and Income Portfolio — Class S</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investments, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Voya Investment Management Co. LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">27.06%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.90%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.02%</span></div></div></td></tr> <tr style="height:98.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Western Asset Core Plus VIT Portfolio — Class II</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Western Asset </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:10pt;font-style:italic;margin-left:0.0pt;">Management Company, LLC; Western Asset </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:10pt;font-style:italic;margin-left:0.0pt;">Management Company Limited in London; </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:10pt;font-style:italic;margin-left:0.0pt;">Western Asset Management Company Pte. Ltd. in </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:10pt;font-style:italic;margin-left:0.0pt;">Singapore; and Western Asset Management </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:10pt;font-style:italic;margin-left:0.0pt;">Company Ltd. in Japan</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.44%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr></table><span style="font-family:Arial;font-size:9pt;">*</span><span style="font-family:Arial;font-size:9pt;">Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2025 and may be terminated at any time thereafter at the option of the Fund. Annual expenses for the Portfolio for the year ended December 31, 2023 reflect temporary fee reductions under such an arrangement.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The following is a list of Portfolios available under the policy, which is subject to change, as discussed in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">prospectus. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolios. You can find the prospectuses and other information about the Portfolios online at https://dfinview.com/NewYorkLife/TAHD/premieradvisory. You can also request this information at no cost by calling the VPSC at 1-800-598-2019 or by sending an email request with your name and mailing address to PremierAdvisoryProspectus@newyorklife.com.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You may allocate your premium payments or other </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accumulation Value to up to 18 different Investment Divisions at any one time in addition to the DCA Advantage Account.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios but does not </span><span style="font-family:Arial;font-size:10pt;">reflect the other fees and expenses that your policy or the</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">Investment Advisor may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you purchased the IPR you may not be able to invest in certain Portfolios. For the 12, 13, 14 and 15-year holding </span><span style="color:#000000;font-family:Arial;font-size:10pt;">period options, your available allocation options are listed in APPENDIX 1B. For the 7-year and 10-year holding period options, your available allocation options are listed in APPENDIX 1C.</span><span style="color:#000000;font-family:Arial;font-size:1pt;margin-left:0%;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP American Century Sustainable </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:10pt;margin-left:0.0pt;">Equity — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investment</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:10pt;font-style:italic;margin-left:0.0pt;">Management LLC (“New York Life Investments”)</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/</span><span style="font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Investment </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:10pt;font-style:italic;margin-left:0.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">24.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.46%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Balanced — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadvisers: </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:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors LLC (“NYL Investors”) and </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:10pt;font-style:italic;margin-left:0.0pt;">Wellington Management Company LLP </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:10pt;font-style:italic;margin-left:0.0pt;">(“Wellington”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.95%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.28%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.90%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Bond — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.77%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.71%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.45%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP CBRE Global Infrastructure — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">CBRE Investment Management Listed Real Assets </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:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.46%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(2.84)%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">MainStay VP Conservative Allocation — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.38%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.82%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Epoch U.S. Equity Yield — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Epoch Investment Partners, Inc. (“Epoch”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.93%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.42%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.91%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Equity Allocation — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.45%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.62%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Fidelity Institutional AM</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:10pt;margin-left:0.0pt;"> Utilities — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">FIAM LLC (“FIAM”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1.71)%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.15%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Floating Rate — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.58%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.69%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.54%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Growth Allocation — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.96%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Hedge Multi-Strategy (formerly </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:10pt;margin-left:0.0pt;">MainStay VP IQ Hedge Multi-Strategy) — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ Advisors LLC (“IndexIQ”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.32%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.53%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1.67)%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Income Builder — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadvisers: </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:10pt;font-style:italic;margin-left:0.0pt;">Epoch and MacKay Shields LLC (“MacKay”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.78%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.78%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.75%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Janus Henderson Balanced — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC (“Janus </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:10pt;font-style:italic;margin-left:0.0pt;">Henderson”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.23%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.48%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.78%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP MacKay Convertible — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.58%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.23%</span></div></div></td></tr> <tr style="height:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate </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:10pt;margin-left:0.0pt;">Bond — Service Class</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.59%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.04%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.47%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP MacKay Strategic Bond — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.18%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.49%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond </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:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay Government) — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.74%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.72%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Moderate Allocation — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.90%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Natural Resources — Initial Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment Management North America, </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:10pt;font-style:italic;margin-left:0.0pt;">LLC ("NIMNA")</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.79%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company LLC </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:10pt;font-style:italic;margin-left:0.0pt;">(“PIMCO”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.46%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.01%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP PineStone International Equity </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:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay International </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:10pt;margin-left:0.0pt;">Equity) — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">PineStone Asset Management Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.85%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.37%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">25.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.25%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.53%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Small Cap Growth — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadvisers: </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:10pt;font-style:italic;margin-left:0.0pt;">Brown Advisory LLC and Segall Bryant &amp; Hamill, </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:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.29%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.26%</span></div></div></td></tr> <tr style="height:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Money Market</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">MainStay VP U.S. Government Money Market — </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:10pt;margin-left:0.0pt;">Initial Class</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</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:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.28%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.61%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.99%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.41%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.93%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.39%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Wellington Small Cap — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.99%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.60%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.42%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.99%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Wellington U.S. Equity — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">24.27%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.88%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.19%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">MainStay VP Winslow Large Cap Growth — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</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:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Winslow Capital Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.99%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">42.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.29%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.18%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio — Class B</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.57%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.05%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS Asset Allocation Fund — Class </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:10pt;margin-left:0.0pt;">4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and Management </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:10pt;font-style:italic;margin-left:0.0pt;">Company</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> (“CRMC”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.98%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS The Bond Fund of America</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:10pt;line-height:12pt;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:10pt;margin-left:0.0pt;">— Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.62%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.83%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS Capital World Bond 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:10pt;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:10pt;margin-left:0.0pt;">Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.56)%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.12%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS Global Small Capitalization </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:10pt;margin-left:0.0pt;">Fund — Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.16%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.51%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS Growth Fund — Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">38.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.07%</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">American Funds IS New World 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:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.07%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.67%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.37%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.43%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS U.S. Government Securities </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:10pt;margin-left:0.0pt;">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:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.62%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.27%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors </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:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.77%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.97%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.33%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.64%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">BlackRock</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:10pt;margin-left:0.0pt;"> Global Allocation V.I. Fund — Class III</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC (“BlackRock”)</span><span style="font-family:Arial;font-size:10pt;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:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock (Singapore) Limited and </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:10pt;font-style:italic;margin-left:0.0pt;">BlackRock International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.49%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.63%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">BlackRock</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:10pt;margin-left:0.0pt;"> High Yield V.I. Fund — Class III</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock </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:10pt;font-style:italic;margin-left:0.0pt;">International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.94%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.49%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.21%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">BNY Mellon IP Technology Growth Portfolio — </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:10pt;margin-left:0.0pt;">Service Shares</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span><span style="font-family:Arial;font-size:10pt;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:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NIMNA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">59.00%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.94%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity Portfolio — </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:10pt;margin-left:0.0pt;">Service Shares</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span><span style="font-family:Arial;font-size:10pt;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:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment Management </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:10pt;font-style:italic;margin-left:0.0pt;">Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">23.50%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.18%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio — </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:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, LLC </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:10pt;font-style:italic;margin-left:0.0pt;">("FTFA”)</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ClearBridge Investments, </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:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.97%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets </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:10pt;margin-left:0.0pt;">Bond Fund — Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment </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:10pt;font-style:italic;margin-left:0.0pt;">Advisers, LLC (“Columbia”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.00%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.57%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.20%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate Bond </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:10pt;margin-left:0.0pt;">Fund — Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.34%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.99%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Small Cap 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:10pt;margin-left:0.0pt;">Fund — Class 2</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">21.67%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.39%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.40%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP — Class B</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management Americas </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:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">RREEF America LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.21%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.67%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.63%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Bond Index Portfolio — Service Class </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:10pt;margin-left:0.0pt;">2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research </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:10pt;font-style:italic;margin-left:0.0pt;">Company LLC (“FMR”)</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other </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:10pt;font-style:italic;margin-left:0.0pt;">investment advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.64%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;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;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Portfolio — Service </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:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">33.12%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.36%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.33%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Emerging Markets Portfolio — </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:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.49%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.55%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.92%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Service </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:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Extended Market Index Portfolio — </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:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode Capital </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:10pt;font-style:italic;margin-left:0.0pt;">Management, LLC (“Geode”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP FundsManager</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:10pt;margin-left:0.0pt;"> 60% Portfolio — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.71%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.17%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.61%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.26%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Growth Opportunities Portfolio — </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:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">45.30%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.44%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Health Care Portfolio — Service </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:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.50%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.39%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP International Index Portfolio — </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:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.42%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.88%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.89%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Investment Grade Bond Portfolio — </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:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.63%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.00%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.08%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio — Service Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </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:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.17%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.85%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Franklin Templeton Aggressive Model Portfolio — </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:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc. </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:10pt;font-style:italic;margin-left:0.0pt;">(“Franklin Advisers”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.91%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model </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:10pt;margin-left:0.0pt;">Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.88%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.53%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio — </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:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.18%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative </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:10pt;margin-left:0.0pt;">Model Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Franklin Templeton Conservative Model </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:10pt;margin-left:0.0pt;">Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund — </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:10pt;margin-left:0.0pt;">Series II Shares</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc. (“Invesco”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.07%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;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:10pt;margin-left:0.0pt;">Series II Shares</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.66%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Janus Henderson Enterprise Portfolio — Service </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:10pt;margin-left:0.0pt;">Shares</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.97%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.78%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.82%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Janus Henderson Global Research Portfolio — </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:10pt;margin-left:0.0pt;">Service Shares</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">26.47%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.05%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.74%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Macquarie VIP Small Cap Value Series (formerly </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:10pt;margin-left:0.0pt;">Delaware</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:10pt;margin-left:0.0pt;"> VIP Small Cap Value Series) — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, 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:10pt;font-style:italic;margin-left:0.0pt;">series of Macquarie Investment Management </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:10pt;font-style:italic;margin-left:0.0pt;">Business Trust (a Delaware statutory trust)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.77%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio — </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:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services </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:10pt;font-style:italic;margin-left:0.0pt;">Company (“MFS”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.37%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.66%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> Investors Trust Series — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.27%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.00%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> Mid Cap Value Portfolio — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.60%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.46%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> Research International Portfolio — Service </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.23%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.89%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;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:10pt;margin-left:0.0pt;"> Research Series — Service Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">22.12%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.55%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Morgan Stanley VIF U.S. Real Estate Portfolio — </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:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Morgan Stanley Investment Management </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:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.26%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth </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:10pt;margin-left:0.0pt;">Portfolio — Class S</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment Advisers </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:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.69%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">PIMCO VIT International Bond Portfolio (U.S. </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:10pt;margin-left:0.0pt;">Dollar-Hedged) — Advisor Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.91%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.54%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">PIMCO VIT Low Duration Portfolio — Advisor </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:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.88%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.82%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </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:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;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:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</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:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">PIMCO VIT Short-Term Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.76%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.60%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Principal VC Real Estate Securities Account — </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:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Global Investors, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;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:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Real Estate Investors, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.24%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.44%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Putnam VT International Value Fund — Class IB</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;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:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investments Limited and 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:10pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.68%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.88%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;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:10pt;margin-left:0.0pt;">Voya Growth and Income Portfolio — Class S</span></div></div> <div style="line-height:13.0pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investments, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </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:10pt;font-style:italic;margin-left:0.0pt;">Voya Investment Management Co. LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">27.06%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.90%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.02%</span></div></div></td></tr> <tr style="height:98.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;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:10pt;margin-left:0.0pt;">Western Asset Core Plus VIT Portfolio — Class II</span></div></div> <div style="line-height:12pt;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:10pt;line-height:12pt;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:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Western Asset </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:10pt;font-style:italic;margin-left:0.0pt;">Management Company, LLC; Western Asset </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:10pt;font-style:italic;margin-left:0.0pt;">Management Company Limited in London; </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:10pt;font-style:italic;margin-left:0.0pt;">Western Asset Management Company Pte. Ltd. in </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:10pt;font-style:italic;margin-left:0.0pt;">Singapore; and Western Asset Management </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:10pt;font-style:italic;margin-left:0.0pt;">Company Ltd. in Japan</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.44%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr></table> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub-adviser</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP American Century Sustainable </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investment</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management LLC (“New York Life Investments”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, Inc.</span> 0.0092 0.2408 0.1266 0.0846 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Balanced — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors LLC (“NYL Investors”) and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington Management Company LLP </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Wellington”)</span> 0.0095 0.0728 0.0815 0.0590 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Bond — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span> 0.0077 0.0531 0.0071 0.0145 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP CBRE Global Infrastructure — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CBRE Investment Management Listed Real Assets </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0120 0.0380 0.0046 -0.0284 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Conservative Allocation — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0073 0.1002 0.0538 0.0382 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Epoch U.S. Equity Yield — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch Investment Partners, Inc. (“Epoch”)</span> 0.0093 0.0842 0.0982 0.0691 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Equity Allocation — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0086 0.1710 0.1045 0.0662 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Fidelity Institutional AM</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:10pt;margin-left:0.0pt;"> Utilities — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FIAM LLC (“FIAM”)</span> 0.0092 -0.0171 0.0814 0.0615 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Floating Rate — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span> 0.0089 0.1158 0.0469 0.0354 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Growth Allocation — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0082 0.1520 0.0920 0.0596 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Hedge Multi-Strategy (formerly </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP IQ Hedge Multi-Strategy) — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ Advisors LLC (“IndexIQ”)</span> 0.0132 0.0998 0.0253 -0.0167 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Income Builder — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch and MacKay Shields LLC (“MacKay”)</span> 0.0087 0.0978 0.0578 0.0475 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Janus Henderson Balanced — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC (“Janus </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Henderson”)</span> 0.0082 0.1523 0.0948 0.0778 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay Convertible — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0083 0.0858 0.1131 0.0823 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0083 0.1159 0.0504 0.0447 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay Strategic Bond — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0087 0.0992 0.0318 0.0249 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay Government) — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0081 0.0474 0.0005 0.0072 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Moderate Allocation — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0076 0.1273 0.0720 0.0490 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Natural Resources — Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment Management North America, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC ("NIMNA")</span> 0.0084 0.0192 0.1896 0.0279 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company LLC </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“PIMCO”)</span> 0.0103 0.0346 0.0308 0.0201 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP PineStone International Equity </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay International </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity) — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PineStone Asset Management Inc.</span> 0.0111 0.0401 0.0510 0.0385 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ</span> 0.0037 0.2583 0.1525 0.1153 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Small Cap Growth — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Brown Advisory LLC and Segall Bryant &amp; Hamill, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0110 0.1522 0.1029 0.0726 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Money Market</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP U.S. Government Money Market — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span> 0.0028 0.0481 0.0161 0.0099 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span> 0.0111 0.1341 0.0793 0.0639 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington Small Cap — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span> 0.0099 0.1360 0.0642 0.0599 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington U.S. Equity — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments </span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span> 0.0081 0.2427 0.1288 0.1019 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Winslow Large Cap Growth — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Winslow Capital Management, LLC</span> 0.0099 0.4270 0.1729 0.1318 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio — Class B</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Asset Allocation Fund — Class </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> (“CRMC”)</span> 0.0080 0.1402 0.0892 0.0698 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS The Bond Fund of America</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:10pt;margin-left:0.0pt;">— Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0073 0.0472 0.0162 0.0183 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Capital World Bond 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:10pt;margin-left:0.0pt;"> — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0098 0.0589 -0.0056 0.0012 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Global Small Capitalization </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund — Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0116 0.1579 0.0803 0.0551 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Growth Fund — Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0084 0.3813 0.1838 0.1407 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS New World 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:10pt;margin-left:0.0pt;"> — Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0107 0.1567 0.0837 0.0443 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS U.S. Government Securities </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:10pt;margin-left:0.0pt;"> — Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0076 0.0262 0.0079 0.0127 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0077 0.1697 0.1233 0.0964 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</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:10pt;margin-left:0.0pt;"> Global Allocation V.I. Fund — Class III</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC (“BlackRock”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock (Singapore) Limited and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock International Limited</span> 0.0102 0.1249 0.0739 0.0463 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</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:10pt;margin-left:0.0pt;"> High Yield V.I. Fund — Class III</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">International Limited</span> 0.0079 0.1294 0.0549 0.0421 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon IP Technology Growth Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NIMNA</span> 0.0103 0.5900 0.1531 0.1294 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Limited</span> 0.0092 0.2350 0.1485 0.1018 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, LLC </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">("FTFA”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ClearBridge Investments, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0097 0.1939 0.1379 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond Fund — Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers, LLC (“Columbia”)</span> 0.0100 0.1002 0.0157 0.0220 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate Bond </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund — Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span> 0.0076 0.0596 0.0134 0.0199 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Small Cap Value </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund — Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span> 0.0111 0.2167 0.1339 0.0840 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP — Class B</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management Americas </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">RREEF America LLC</span> 0.0121 0.0567 0.0570 0.0263 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> VIP Bond Index Portfolio — Service Class </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company LLC (“FMR”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">investment advisers</span> 0.0039 0.0513 0.0064 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;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;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Portfolio — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0081 0.3312 0.1636 0.1133 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> VIP Emerging Markets Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0114 0.0949 0.0755 0.0492 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0072 0.1038 0.1201 0.0831 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> VIP Extended Market Index Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode Capital </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, LLC (“Geode”)</span> 0.0038 0.1711 0.1102 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> VIP FundsManager</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:10pt;margin-left:0.0pt;"> 60% Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> 0.0071 0.1417 0.0861 0.0626 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> VIP Growth Opportunities Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0084 0.4530 0.1879 0.1544 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> VIP Health Care Portfolio — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0084 0.0401 0.0950 0.1039 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> VIP International Index Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode</span> 0.0042 0.1588 0.0689 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> VIP Investment Grade Bond Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0063 0.0600 0.0172 0.0208 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio — Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0082 0.1480 0.1217 0.0785 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Aggressive Model Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc. </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Franklin Advisers”)</span> 0.0091 0.1805 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span> 0.0088 0.1553 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span> 0.0085 0.1318 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Model Portfolio — Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span> 0.0085 0.1031 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Conservative Model </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span> 0.0089 0.0831 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series II Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc. (“Invesco”)</span> 0.0115 0.1786 0.0815 0.0407 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series II Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco</span> 0.0113 0.1782 0.1279 0.0866 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise Portfolio — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson</span> 0.0097 0.1778 0.1314 0.1182 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global Research Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson</span> 0.0086 0.2647 0.1305 0.0874 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Macquarie VIP Small Cap Value Series (formerly </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Delaware</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:10pt;margin-left:0.0pt;"> VIP Small Cap Value Series) — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, a </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">series of Macquarie Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Business Trust (a Delaware statutory trust)</span> 0.0108 0.0910 0.0987 0.0677 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company (“MFS”)</span> 0.0114 0.1737 0.0831 0.0666 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> Investors Trust Series — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0103 0.1866 0.1327 0.1000 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> Mid Cap Value Portfolio — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0104 0.1239 0.1260 0.0846 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> Research International Portfolio — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0114 0.1283 0.0823 0.0389 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;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:10pt;margin-left:0.0pt;"> Research Series — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0104 0.2212 0.1413 0.1055 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Morgan Stanley VIF U.S. Real Estate Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Morgan Stanley Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span> 0.0105 0.1422 0.0266 0.0426 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class S</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment Advisers </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0111 0.1796 0.1186 0.0869 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio — Advisor Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0113 0.0814 0.0322 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT International Bond Portfolio (U.S. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar-Hedged) — Advisor Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0138 0.0891 0.0154 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Low Duration Portfolio — Advisor </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0079 0.0487 0.0088 0.0082 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Short-Term Portfolio — Advisor Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0076 0.0580 0.0202 0.0176 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio — Advisor Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0085 0.0583 0.0098 0.0160 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Principal VC Real Estate Securities Account — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Global Investors, LLC</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Real Estate Investors, LLC</span> 0.0104 0.1301 0.0824 0.0844 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Putnam VT International Value Fund — Class IB</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investments Limited and The </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC</span> 0.0113 0.1868 0.0970 0.0388 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Voya Growth and Income Portfolio — Class S</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investments, LLC</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investment Management Co. LLC</span> 0.0092 0.2706 0.1590 0.1102 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Western Asset Core Plus VIT Portfolio — Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Western Asset </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company, LLC; Western Asset </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company Limited in London; </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Western Asset Management Company Pte. Ltd. in </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Singapore; and Western Asset Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company Ltd. in Japan</span> 0.0076 0.0644 0.0098 <span style="font-family:Arial;font-size:9pt;">Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2025 and may be terminated at any time thereafter at the option of the Fund. Annual expenses for the Portfolio for the year ended December 31, 2023 reflect temporary fee reductions under such an arrangement.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 1 – Franklin Templeton Model Portfolios</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Aggressive</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderate</span></div></div></td></tr> <tr style="height:23pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:26.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:234.99pt;"> <div style="line-height:11pt;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:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model</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:9pt;margin-left:0.0pt;">Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:29.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:231.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio</span></div></div></td></tr> <tr style="height:18pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:261.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Conservative</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:261.00pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:22pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:26.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:234.99pt;"> <div style="line-height:11pt;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:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative Model</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:9pt;margin-left:0.0pt;">Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:29.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:231.99pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 2 – Choose Your Own Investment Divisions</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category A:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">30</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">100</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td colspan="3" style="vertical-align:Top;width:522.00pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory I Funds (Minimum Allocation 10% - total among all the subcategory I Funds)</span></div></div></td></tr> <tr style="height:100pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP U.S. Government Money Market</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS The Bond Fund of America</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Capital World Bond Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS U.S. Government Securities Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate Bond Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Bond Index Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Investment Grade Bond Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT International Bond Portfolio (U.S.</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dollar-Hedged)</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Low Duration Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Short-Term Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Western Asset Core Plus VIT Portfolio</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory II Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:34pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Floating Rate</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay Strategic Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> High Yield V.I. Fund</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category B:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">0</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">70</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category B Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:111pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP American Century Sustainable Equity</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Epoch U.S. Equity Yield</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Hedge Multi-Strategy</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay Convertible</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington U.S. Equity</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Winslow Large Cap Growth</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Growth Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="font-family:Arial;font-size:5.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Growth Opportunities Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Investors Trust Series</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Voya Growth and Income Portfolio</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category C:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">0</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">25</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:41pt;"> <td colspan="3" style="vertical-align:Top;width:522.00pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:15pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</span></div></div></td></tr> <tr style="height:67pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Small Cap Growth</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Small Cap</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Small Cap Value</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Extended Market Index Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Enterprise Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Macquarie VIP Small Cap Value Series</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Mid Cap Value Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"> </div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</span></div></div></td></tr> <tr style="height:67pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PineStone International Equity</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Global Small Capitalization Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS New World Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Emerging Markets Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP International Index Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Global Research Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research International Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Putnam VT International Value Fund</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"> </div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</span></div></div></td></tr> <tr style="height:44pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP CBRE Global Infrastructure</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Fidelity Institutional AM</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Utilities</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Natural Resources</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BNY Mellon IP Technology Growth Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Health Care Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Morgan Stanley VIF U.S. Real Estate Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Principal VC Real Estate Securities Account</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 3 – Asset Allocation Funds:</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category D:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:17.01pt;">100</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category D Asset Allocation Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:132pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Balanced</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Conservative Allocation</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Income Builder</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Janus Henderson Balanced</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Moderate Allocation</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Asset Allocation Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Global Allocation V.I. Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP FundsManager</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> 60% Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative Model Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Conservative Model Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 1 – Franklin Templeton Model Portfolios</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderate</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Conservative</span></div></div></td></tr> <tr style="height:22pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:26.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:234.99pt;"> <div style="line-height:11pt;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:9pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:29.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:231.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative Model</span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Portfolio</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 2 – Choose Your Own Investment Divisions</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category A:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">40</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">100</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="vertical-align:Top;width:247.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory I Funds (Minimum Allocation 10% - total among all the subcategory I Funds)</span></div></div></td></tr> <tr style="height:100pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP U.S. Government Money Market</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS The Bond Fund of America</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Capital World Bond Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS U.S. Government Securities Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate Bond Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Bond Index Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Investment Grade Bond Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT International Bond Portfolio (U.S.</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dollar-Hedged)</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Low Duration Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Short-Term Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Western Asset Core Plus VIT Portfolio</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory II Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:34pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Floating Rate</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay Strategic Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> High Yield V.I. Fund</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category</span><span style="font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;"> B:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">0</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">60</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category B Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:111pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP American Century Sustainable Equity</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Epoch U.S. Equity Yield</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Hedge Multi-Strategy</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay Convertible</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington U.S. Equity</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Winslow Large Cap Growth</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Growth Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="font-family:Arial;font-size:5.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Growth Opportunities Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Investors Trust Series</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Voya Growth and Income Portfolio</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category</span><span style="font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;"> C:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">0</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">25</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:81pt;"> <td colspan="3" style="vertical-align:Top;width:522.00pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:15pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</span></div></div></td></tr> <tr style="height:67pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Small Cap Growth</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Small Cap</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Small Cap Value</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Extended Market Index Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Enterprise Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Macquarie VIP Small Cap Value Series</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Mid Cap Value Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</span></div></div></td></tr> <tr style="height:67pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PineStone International Equity</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Global Small Capitalization Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS New World Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Emerging Markets Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP International Index Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Global Research Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research International Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Putnam VT International Value Fund</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"> </div></div></td></tr> <tr style="height:13pt;"> <td colspan="3" style="vertical-align:Top;width:522.00pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</span></div></div></td></tr> <tr style="height:44pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP CBRE Global Infrastructure</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Fidelity Institutional AM</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Utilities</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Natural Resources</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BNY Mellon IP Technology Growth Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Health Care Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Morgan Stanley VIF U.S. Real Estate Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Principal VC Real Estate Securities Account</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 3 – Asset Allocation Funds:</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category D:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:17.01pt;">100</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category D Asset Allocation Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:110pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Balanced</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Conservative Allocation</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Income Builder</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Janus Henderson Balanced</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Moderate Allocation</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Global Allocation V.I. Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP FundsManager</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> 60% Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative Model Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Conservative Model Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true 0.0200 0.0080 0.0200 0.0070 0.0150 0.0070 0.0150 0.0060 0.0150 0.0055 0.0150 0.0050 0.0200 0.0080 0.0200 0.0070 0.0150 0.0070 0.0150 0.0060 0.0150 0.0055 0.0150 0.0050