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nyli:DollarCostAveragingMember nyli:C000154619Member 2024-12-20 2024-12-20 pure iso4217:USD utr:Y 2017-05-01 <p> <b></b>Annual Policy Expenses</p><p>Base Contract Charges (Without Optional Benefits)</p>3030May 1, 20161.351.301.551.401.151.101.351.20May 1, 20161.351.351.551.551.151.151.351.35<p> ¹As an annualized percentage of daily Variable Accumulation Value.</p><p> ²As an annualized percentage of Adjusted Premium Payments.</p><p> ³ </p>We call this fee the "Annual Policy Service Charge" in your policy and elsewhere in the prospectus. This fee is waived for policies that have $50,000 or more of Accumulation Value on a given Policy Anniversary. <p> ⁴ </p>We call this the "Mortality and Expense Risk and Administrative Costs Charge (M&amp;E)" in your policy and elsewhere in this prospectus.<p>Optional Benefit Expenses</p><p></p>May 1, 20161.000.25<p></p>May 1, 20161.000.300.35<p></p> 0001209501 false N-4 2024-12-20 N-4 NYLIAC VARIABLE ANNUITY SEPARATE ACCOUNT-IV <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 purpose of this supplement is to inform you of the following changes to the Prospectuses scheduled to take </span><span style="color:#000000;font-family:Arial;font-size:10pt;">effect on or about February 10, 2025:</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">I. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;text-decoration:underline;">ADDITION OF NEW INVESTMENT DIVISIONS AVAILABLE UNDER THE POLICIES</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">A. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;text-decoration:underline;">For Policies Issued Prior to June 2, 2003</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The following portfolios will be available as Investment Divisions under the policies:</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;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Investors Trust – Initial Class</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Research – Initial Class</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLI VP Newton Technology Growth – Initial Class</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The following should be added to the Appendix of Portfolios Available Under the Policy:</span><span style="color:#000000;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: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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/24)</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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:74.5pt;"> <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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap 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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust – Initial Class</span></div> <div style="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;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investment Management </span></div> <div style="margin-left: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;">LLC (“New York Life Investments”)</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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services Company </span></div> <div style="margin-left: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;">(MFS)</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="color:#000000;font-family:Arial;font-size:10pt;">0.74%</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/24)</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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research – Initial Class</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments</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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;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="color:#000000;font-family:Arial;font-size:10pt;">0.75%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-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;">---</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-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;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP Newton Technology Growth – Initial Class</span></div> <div style="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;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments </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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">LLC (NIMNA)</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="color:#000000;font-family:Arial;font-size:10pt;">0.77%</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</span></div></div></td></tr></table><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;">B. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;text-decoration:underline;">For Policies Issued On or After June 2, 2003</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The following portfolios will be available as Investment Divisions under the policies:</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;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Investors Trust – Service Class</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Research – Service Class</span><span style="color:#000000;font-family:Arial;font-size:10pt;">●</span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLI VP Newton Technology Growth – Service Class</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The following should be added to the Appendix of Portfolios Available Under the Policy:</span><span style="color:#000000;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: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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/24)</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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust – Service Class</span></div> <div style="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;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investment Management </span></div> <div style="margin-left: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;">LLC (“New York Life Investments”)</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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services Company </span></div> <div style="margin-left: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;">(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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-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;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research – Service Class</span></div> <div style="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;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments </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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-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;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</span></div></div></td></tr> <tr style="height:74.5pt;"> <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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP Newton Technology Growth – Service </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;">Class</span></div> <div style="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;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments </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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">LLC (NIMNA)</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="color:#000000;font-family:Arial;font-size:10pt;">1.02%</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</span></div></div></td></tr></table><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;">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/flex-iii. 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 FlexIIIProspectus@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 Fixed Account or 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;">The current expenses and performance information below reflects fees and expenses of the Portfolios but does not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">reflect the other fees and expenses that your policy 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="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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 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;">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></div> <div style="margin-left:3.75pt;margin-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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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 LLC (“NYL </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investors”) and Wellington 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 LLP (“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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-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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 Candriam 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;">Equity — Service Class</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">+</span> <div style="clear:right;"> </div></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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Candriam</span></div></div></td> <td style="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;">1.39%</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;">6.98%</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;">2.24%</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:0.0pt;">(0.17)%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">CBRE 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;">Listed Real Assets 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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Epoch Investment Partners, 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;">(“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">Utilities — 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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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-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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">0.82%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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) — </span></div> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Epoch and MacKay Shields 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;">(“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Janus Henderson Investors US 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;">(“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;">0.82%</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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 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: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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;">8.58%</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;">11.31%</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;">8.23%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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;">11.59%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">4.47%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">North America, 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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Pacific 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;">Company LLC (“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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 Small Cap Growth — 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><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;">Brown Advisory, LLC and Segall </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bryant &amp; Hamill, LLC</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;">1.10%</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;">15.22%</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;">10.29%</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;">7.26%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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;">Money Market</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;"> / </span></div> <div style="margin-left:3.75pt;margin-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-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;">0.28%</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;">4.81%</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;">1.61%</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;">0.99%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 Growth — 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><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">+</span> <div style="clear:right;"> </div></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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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;">0.97%</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;">38.26%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.51%</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;">10.05%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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, </span></div> <div style="margin-left:3.75pt;margin-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;">0.99%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 — </span></div> <div style="margin-left: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;">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:95.66pt;"> <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 Grade </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;">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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 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;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: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;">0.98%</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;">5.89%</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:0.0pt;">(0.56)%</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;">0.12%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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;">1.07%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">4.43%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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;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;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock (Singapore) Limited </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">and 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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">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:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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;">Large Cap 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:223.84pt;"> <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;">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: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;">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;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-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;">0.97%</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;">19.39%</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;">13.79%</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:95.66pt;"> <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:223.84pt;"> <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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 — Commodity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Strategy Fund — Class 2</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">++</span> <div style="clear:right;"> </div></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><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;">Threadneedle 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;">1.01%</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:0.0pt;">(7.14)%</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;">9.08%</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:0.0pt;">(0.97)%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Markets 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</span></div></div></td> <td style="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:95.66pt;"> <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 Grade </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;">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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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</span></div></div></td> <td style="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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;">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;">21.67%</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;">13.39%</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;">8.40%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas Inc.</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 </span></div> <div style="margin-left:3.75pt;margin-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;">1.21%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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;font-style:italic;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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;">Large Cap 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:223.84pt;"> <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 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;"> — </span></div> <div style="margin-left: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;font-style:italic;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-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;">0.72%</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;">10.38%</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;">12.01%</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;">8.31%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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</span></div></div></td> <td style="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;">0.42%</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;">15.88%</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;">6.89%</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:95.66pt;"> <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 Grade </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;">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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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 — 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;"> / 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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">FMR</span><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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;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 style="margin-left:3.75pt;margin-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. (“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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;">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: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;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-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;">0.85%</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;">13.18%</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;">N/A</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;">0.86%</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;">26.47%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">8.74%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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 Delaware VIP</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;"> 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;">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;">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:95.66pt;"> <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 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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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/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:223.84pt;"> <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;">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 — </span></div> <div style="margin-left: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: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;">MFS</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;">1.14%</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;">12.83%</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;">8.23%</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;">3.89%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-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</span></div></div></td> <td style="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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;">0.79%</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;">4.87%</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;">0.88%</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;">0.82%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">The 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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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;">Large Cap 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:223.84pt;"> <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;">Voya Growth and Income Portfolio — Class S</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;">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-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;">0.92%</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;">27.06%</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;">15.90%</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;">11.02%</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:95.66pt;"> <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:223.84pt;"> <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:110.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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;font-style:italic;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. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">in 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:5.5pt;position:relative;top:-3.75pt;">+</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Closed for policyowners who were not invested in the Investment Division on November 13, 2017, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 13, 2017.</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;">Closed for policyowners who were not invested in the Investment Division on November 23, 2020, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 23, 2020.</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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/24)</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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:74.5pt;"> <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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap 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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust – Initial Class</span></div> <div style="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;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investment Management </span></div> <div style="margin-left: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;">LLC (“New York Life Investments”)</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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services Company </span></div> <div style="margin-left: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;">(MFS)</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="color:#000000;font-family:Arial;font-size:10pt;">0.74%</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/24)</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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research – Initial Class</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments</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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;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="color:#000000;font-family:Arial;font-size:10pt;">0.75%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-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;">---</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-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;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP Newton Technology Growth – Initial Class</span></div> <div style="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;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments </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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">LLC (NIMNA)</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="color:#000000;font-family:Arial;font-size:10pt;">0.77%</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/24)</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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust – Service Class</span></div> <div style="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;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investment Management </span></div> <div style="margin-left: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;">LLC (“New York Life Investments”)</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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services Company </span></div> <div style="margin-left: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;">(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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-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;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research – Service Class</span></div> <div style="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;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments </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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-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;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</span></div></div></td></tr> <tr style="height:74.5pt;"> <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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP Newton Technology Growth – Service </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;">Class</span></div> <div style="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;font-style:italic;margin-left:0.0pt;">Adviser:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments </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-style:italic;margin-left:0.0pt;">Subadviser:</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:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">LLC (NIMNA)</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="color:#000000;font-family:Arial;font-size:10pt;">1.02%</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">---</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 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;">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></div> <div style="margin-left:3.75pt;margin-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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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 LLC (“NYL </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investors”) and Wellington 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 LLP (“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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-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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 Candriam 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;">Equity — Service Class</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">+</span> <div style="clear:right;"> </div></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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Candriam</span></div></div></td> <td style="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;">1.39%</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;">6.98%</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;">2.24%</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:0.0pt;">(0.17)%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">CBRE 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;">Listed Real Assets 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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Epoch Investment Partners, 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;">(“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">Utilities — 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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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-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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">0.82%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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) — </span></div> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Epoch and MacKay Shields 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;">(“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Janus Henderson Investors US 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;">(“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;">0.82%</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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 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: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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;">8.58%</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;">11.31%</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;">8.23%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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;">11.59%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">4.47%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">North America, 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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Pacific 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;">Company LLC (“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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 Small Cap Growth — 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><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;">Brown Advisory, LLC and Segall </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bryant &amp; Hamill, LLC</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;">1.10%</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;">15.22%</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;">10.29%</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;">7.26%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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;">Money Market</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;"> / </span></div> <div style="margin-left:3.75pt;margin-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-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;">0.28%</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;">4.81%</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;">1.61%</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;">0.99%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 Growth — 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><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">+</span> <div style="clear:right;"> </div></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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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;">0.97%</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;">38.26%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.51%</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;">10.05%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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, </span></div> <div style="margin-left:3.75pt;margin-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;">0.99%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 — </span></div> <div style="margin-left: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;">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:95.66pt;"> <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 Grade </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;">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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 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;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: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;">0.98%</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;">5.89%</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:0.0pt;">(0.56)%</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;">0.12%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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;">1.07%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">4.43%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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;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;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock (Singapore) Limited </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">and 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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">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:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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;">Large Cap 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:223.84pt;"> <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;">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: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;">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;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-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;">0.97%</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;">19.39%</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;">13.79%</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:95.66pt;"> <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:223.84pt;"> <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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 — Commodity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Strategy Fund — Class 2</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">++</span> <div style="clear:right;"> </div></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><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;">Threadneedle 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;">1.01%</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:0.0pt;">(7.14)%</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;">9.08%</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:0.0pt;">(0.97)%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Markets 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</span></div></div></td> <td style="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:95.66pt;"> <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 Grade </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;">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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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</span></div></div></td> <td style="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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;">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;">21.67%</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;">13.39%</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;">8.40%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas Inc.</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 </span></div> <div style="margin-left:3.75pt;margin-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;">1.21%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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;font-style:italic;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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;">Large Cap 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:223.84pt;"> <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 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;"> — </span></div> <div style="margin-left: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;font-style:italic;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-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;">0.72%</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;">10.38%</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;">12.01%</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;">8.31%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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</span></div></div></td> <td style="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;">0.42%</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;">15.88%</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;">6.89%</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:95.66pt;"> <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 Grade </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;">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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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 — 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;"> / 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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">FMR</span><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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;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 style="margin-left:3.75pt;margin-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. (“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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;">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: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;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-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;">0.85%</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;">13.18%</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;">N/A</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;">0.86%</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;">26.47%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">8.74%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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 Delaware VIP</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;"> 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;">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;">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:95.66pt;"> <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 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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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/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:223.84pt;"> <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;">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 — </span></div> <div style="margin-left: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: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;">MFS</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;">1.14%</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;">12.83%</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;">8.23%</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;">3.89%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-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</span></div></div></td> <td style="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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;">0.79%</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;">4.87%</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;">0.88%</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;">0.82%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">The 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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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;">Large Cap 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:223.84pt;"> <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;">Voya Growth and Income Portfolio — Class S</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;">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-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;">0.92%</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;">27.06%</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;">15.90%</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;">11.02%</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:95.66pt;"> <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:223.84pt;"> <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:110.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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;font-style:italic;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. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">in 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="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span><span style="color:#000000;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;">Type</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust – Initial Class</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investment Management </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">LLC (“New York Life Investments”)</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services Company </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(MFS)</span> 0.0074 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research – Initial Class</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span> 0.0075 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP Newton Technology Growth – Initial Class</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments </span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Newton Investment Management North America, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">LLC (NIMNA)</span> 0.0077 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust – Service Class</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investment Management </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">LLC (“New York Life Investments”)</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services Company </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(MFS)</span> 0.0099 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research – Service Class</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments </span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span> 0.0100 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLI VP Newton Technology Growth – Service </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">New York Life Investments </span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Newton Investment Management North America, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">LLC (NIMNA)</span> 0.0102 <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">II. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;text-decoration:underline;">INVESTMENT DIVSIONS AVAILABLE WITH APPLICABLE RIDERS</span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">For the New York Life Premier Variable Annuity II, New York Life Premier Plus Variable Annuity II, New York Life Premier Advisory Variable Annuity, and New York Life Premier Variable Annuity – FP Series with the Investment Preservation Rider (“IPR”), IPR 2.0, IPR 3.0, IPR 4.0, IPR 5.0, IPR-Advisory, or IPR-FP Series, as applicable</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">For the New York Life Premier Variable Annuity and the New York Life Premier Plus Variable Annuity, with the Guaranteed Investment Protection Rider (“GIPR”) or GIPR 2.0, as applicable</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The following revisions apply to the Appendices listing “Investment Divisions,” “Asset Allocation Models” and/or “Model Portfolios,” for the applicable riders:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">1. All references to “MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Investors Trust Series” are deleted and replaced with “</span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Investors Trust</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.”</span><span style="color:#000000;font-family:Arial;font-size:10pt;">2. All references to “MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Research Series” are deleted and replaced with “</span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLI VP MFS</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Research</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.”</span><span style="color:#000000;font-family:Arial;font-size:10pt;">3. All references to “BNY Mellon IP Technology Growth Portfolio” are deleted and replaced with “</span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLI VP</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Newton Technology Growth</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.”</span> true true true true true true <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:115pt;"> <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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In most jurisdictions,* if you withdraw more than the Surrender Charge </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;">Free Amount within the first </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">nine</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Policy Years, you will be assessed a </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;">surrender charge. The maximum surrender charge is </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">% 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;">withdrawn during the first three Policy Years, declining to 0% over that </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;">nine-year period. For example, if you make an early withdrawal within </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;">the first three Policy Years, you could pay a surrender charge of up 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;">$</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7,000</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on a $100,000 investment. *Policies issued in New York are </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;">subject to a different surrender charge schedule. See APPENDIX 3 – </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;">State Variations for details.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </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="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;">Transaction </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 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;">–Surrender </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;">Charges</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:79pt;"> <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 12 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. A loan processing </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;">fee may apply if you take a policy loan. Although we do not currently </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;">charge for such transactions, we reserve the right to charge up to $30 </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;">per transaction.</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.</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:54.5pt;"> <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 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;">(for policies applied for on or </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;font-weight:bold;">after May 1, 2016)</span></div></div></td> <td style="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:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </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;">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;">1.10</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;">1.40</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: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;">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-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;">0.25</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;">0.25</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;">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></div></div></td></tr> <tr style="height:92.5pt;"> <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 colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;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="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;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">As a percentage of Accumulation Value(Minimum Base Contract </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charge) and as a percentage of Adjusted Premium Payments </span></div> <div style="margin-left: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 Base Contract 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:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</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;">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:nowrap;"><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:nowrap;"><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:nowrap;"><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;">As an annualized percentage of the ADBR Reset Value.</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="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:78.5pt;"> <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 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: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><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add </span></div> <div style="margin-left:3.75pt;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;">surrender charges that 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:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </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: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="background-color:#E5E5E5;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;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="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="font-family:Arial;font-size:10pt;">$1,422.41</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">$</span><span style="font-family:Arial;font-size:10pt;">2,578.58</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:137.5pt;"> <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;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</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;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</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;margin-left:0.0pt;">•</span><span style="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="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="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="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:115pt;"> <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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In most jurisdictions,* if you withdraw more than the Surrender Charge </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;">Free Amount within the first </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">nine</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Policy Years, you will be assessed a </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;">surrender charge. The maximum surrender charge is </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">% 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;">withdrawn during the first three Policy Years, declining to 0% over that </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;">nine-year period. For example, if you make an early withdrawal within </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;">the first three Policy Years, you could pay a surrender charge of up 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;">$</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7,000</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on a $100,000 investment. *Policies issued in New York are </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;">subject to a different surrender charge schedule. See APPENDIX 3 – </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;">State Variations for details.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </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="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;">Transaction </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 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;">–Surrender </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;">Charges</span></div></div></td></tr></table> 9 0.07 7000 <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:79pt;"> <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 12 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. A loan processing </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;">fee may apply if you take a policy loan. Although we do not currently </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;">charge for such transactions, we reserve the right to charge up to $30 </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;">per transaction.</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.</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:54.5pt;"> <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 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;">(for policies applied for on or </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;font-weight:bold;">after May 1, 2016)</span></div></div></td> <td style="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:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </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;">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;">1.10</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;">1.40</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: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;">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-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;">0.25</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;">0.25</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;">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></div></div></td></tr> <tr style="height:92.5pt;"> <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 colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;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="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;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">As a percentage of Accumulation Value(Minimum Base Contract </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charge) and as a percentage of Adjusted Premium Payments </span></div> <div style="margin-left: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 Base Contract 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:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</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;">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:nowrap;"><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:nowrap;"><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:nowrap;"><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;">As an annualized percentage of the ADBR Reset Value.</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="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:78.5pt;"> <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 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: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><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add </span></div> <div style="margin-left:3.75pt;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;">surrender charges that 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:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </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: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="background-color:#E5E5E5;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;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="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="font-family:Arial;font-size:10pt;">$1,422.41</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">$</span><span style="font-family:Arial;font-size:10pt;">2,578.58</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:137.5pt;"> <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;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</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;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</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;margin-left:0.0pt;">•</span><span style="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="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="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="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;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:54.5pt;"> <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 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;">(for policies applied for before </span></div> <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;">May 1, 2016)</span></div></div></td> <td style="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: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;">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;">1.15%</span></div></div></td> <td style="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;">1.55%</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;">0.30%</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;">0.35%</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;">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:95pt;"> <td style="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 a percentage of Accumulation Value(Minimum Base Contract </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) and as a percentage of Adjusted Premium Payments </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;">(Maximum Base Contract Charge).</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;"> As an annualized percentage of the ADBR Reset Value.</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;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom: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:normal;"><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-right:0.5pt solid #000000;padding-bottom:2.5pt;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;">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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you do not take withdrawals from the policy, </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add </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;font-weight:bold;margin-left:0.0pt;">surrender charges that substantially increase costs.</span></div></div></td> <td style="padding-bottom: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:normal;"><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:42.5pt;"> <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="background-color:#E5E5E5;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;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="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="font-family:Arial;font-size:10pt;">$ 1,584.26</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="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="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="font-family:Arial;font-size:10pt;">$2,707.88</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:137.5pt;"> <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;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</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;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</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;margin-left:0.0pt;">•</span><span style="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="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="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="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> 0.0110 0.0140 0.0038 0.0142 0.0025 0.0025 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">As a percentage of Accumulation Value(Minimum Base Contract </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charge) and as a percentage of Adjusted Premium Payments </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(Maximum Base Contract Charge).</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:10pt;margin-left:0.0pt;">As an annualized percentage of the ADBR Reset Value.</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:78.5pt;"> <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 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: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><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add </span></div> <div style="margin-left:3.75pt;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;">surrender charges that 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:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </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: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="background-color:#E5E5E5;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;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="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="font-family:Arial;font-size:10pt;">$1,422.41</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">$</span><span style="font-family:Arial;font-size:10pt;">2,578.58</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:137.5pt;"> <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;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</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;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</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;margin-left:0.0pt;">•</span><span style="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="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="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="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:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom: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:normal;"><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-right:0.5pt solid #000000;padding-bottom:2.5pt;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;">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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you do not take withdrawals from the policy, </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add </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;font-weight:bold;margin-left:0.0pt;">surrender charges that substantially increase costs.</span></div></div></td> <td style="padding-bottom: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:normal;"><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:42.5pt;"> <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="background-color:#E5E5E5;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;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="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="font-family:Arial;font-size:10pt;">$ 1,584.26</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="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="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="font-family:Arial;font-size:10pt;">$2,707.88</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:137.5pt;"> <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;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</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;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</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;margin-left:0.0pt;">•</span><span style="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="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="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="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> 2578.58 <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="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="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="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="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="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="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="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span></div></div></td></tr> <tr style="height:79pt;"> <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="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="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">This policy is not designed for short-term investing and is not </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who readily needs access to cash. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender charges apply for up to the first nine Policy Years. They will </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">reduce the value of your policy if you withdraw money during that time. </span></div> <div style="margin-left: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 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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy is more beneficial to investors with a long time horizon.</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="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span></div></div></td></tr> <tr style="height:103pt;"> <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="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:nowrap;"><span style="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:nowrap;"><span style="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: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 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:nowrap;"><span style="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:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">variable investment options (e.g.,</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolios) and guaranteed options </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(e.g., the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account and DCA Advantage Account) you choose.</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;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Each investment option has its own 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: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 review the prospectuses for the available Portfolios 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;margin-left:9.0pt;">the description in this prospectus of the Fixed Account and the DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advantage Account 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:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span></div></div></td></tr> <tr style="height:75.5pt;"> <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="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:nowrap;"><span style="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:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks</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="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:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">including that any obligations, guarantees, and benefits of the policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">are subject to the claims-paying ability of NYLIAC. If NYLIAC </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">experiences financial distress, it may not be able to meet its obligations </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">to you. More information about NYLIAC is available upon request from </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIAC by calling the VPSC at 1-800-598-2019.</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="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</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> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this policy.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">This policy is not designed for short-term investing and is not </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who readily needs access to cash. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender charges apply for up to the first nine Policy Years. They will </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">reduce the value of your policy if you withdraw money during that time. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The benefits of tax deferral and living benefit protections also mean the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy is more beneficial to investors with a long time horizon.</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 investment in this policy is subject to the risk of poor investment </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">performance and can vary depending on the performance of the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">variable investment options (e.g.,</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolios) and guaranteed options </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">(e.g., the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account and DCA Advantage Account) you choose.</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;">Each investment option has its own unique risks.</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 review the prospectuses for the available Portfolios and </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the description in this prospectus of the Fixed Account and the DCA </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advantage Account before making an investment decision.</span> <span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">including that any obligations, guarantees, and benefits of the policy </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">are subject to the claims-paying ability of NYLIAC. If NYLIAC </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">experiences financial distress, it may not be able to meet its obligations </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">to you. More information about NYLIAC is available upon request from </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIAC by calling the VPSC at 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, plus the Fixed Account, some of which may not be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">available under 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;">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 12 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;">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;">We may modify or discontinue an optional benefit at any 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;">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;">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: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 59½.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your registered representative may receive compensation for selling </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">this policy to you, in the form of commissions, asset-based </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">compensation, allowances for expenses, and other compensation </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">programs. Your registered representative may have a financial incentive </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to offer or recommend this policy over another investment.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your registered representative may have a financial incentive to offer </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you a new policy in place of the one you own. You should consider </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">exchanging your policy if you determine, after comparing the features, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">fees, and risks of both policies, that it is in your best interest to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">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: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.</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, </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">surrender, or make withdrawals from the policy, or 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:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">Surrender Charges (as a percentage of amount withdrawn). Applied to amounts in excess of the Surrender Charge </span><span style="font-family:Arial;font-size:10pt;">Free Amount that you may withdraw each Policy Year. For the surrender charge schedule applicable for policies issued in New York with an application signed on or after November 13, 2023, see APPENDIX 3 – State Variations.</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:18.5pt;"> <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:100.5pt;"> <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;">Policy 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:42pt;"> <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;">1</span></div></div></td> <td style="background-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:42pt;"> <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;">2</span></div></div></td> <td style="background-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:42pt;"> <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;">3</span></div></div></td> <td style="background-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:42pt;"> <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;">4</span></div></div></td> <td style="background-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:42pt;"> <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;">5</span></div></div></td> <td style="background-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:42pt;"> <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;">6</span></div></div></td> <td style="background-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:42pt;"> <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;">7</span></div></div></td> <td style="background-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:42pt;"> <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;">8</span></div></div></td> <td style="background-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:42pt;"> <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;">9</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:43.5pt;"> <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;">10+</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:Bottom;width:100.5pt;"> <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;">Surrender Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">7.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">7.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">7.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">6.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">5.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">4.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">3.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">1.00%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:43.5pt;"> <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;">0.00%</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: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 12 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;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">0</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Loan Processing Fee (TSA Plans only)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">25</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;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">0</span></div></div></td></tr></table><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).</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;">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%;">Base Contract 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:520.67pt;"> <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:100.67pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-50.34pt;"> </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:Bottom;width:210pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Policies with Accumulation</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Value-based Base Contract Charges</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:210pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;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;">Policies with Premium-based</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Base Contract Charges</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:100.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative</span></div> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expense</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span></div></div></td> <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:Top;width:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;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 colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;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;">30</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="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:100.67pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract</span></div> <div style="margin-left:4pt;margin-right:4.25pt;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><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> for</span></div> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policies</span></div> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">applied for on or</span></div> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">May 1, 2016</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Guaranteed</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;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="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Current Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Guaranteed</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;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="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Current Charge</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:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.35</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(During the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Surrender Charge </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">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:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.30</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(During the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Surrender Charge </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">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:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.55</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(During the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Surrender Charge </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Period)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.40</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(During the </span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Surrender Charge </span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Period)</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:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.15</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(After the Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Charge 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:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.10</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(After the Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Charge 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:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.35</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(After the Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Charge Period)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.20</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(After the Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Charge Period)</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Top;width:100.67pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract</span></div> <div style="margin-left:4pt;margin-right:4.25pt;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><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> for</span></div> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policies applied for</span></div> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">before </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">May 1, 2016</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Guaranteed </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;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="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Current Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Guaranteed</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;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="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Current Charge</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:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.35</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(During the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Surrender Charge </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">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:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.35</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(During the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Surrender Charge </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">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:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.55</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(During the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Surrender Charge </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Period)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.55</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(During the </span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Surrender Charge </span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Period)</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:105pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.15</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(After the Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Charge Period)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.15</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(After the Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Charge Period)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.35</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(After the Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Charge Period)</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:105pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.35</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">(After the Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Charge Period)</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.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-3.75pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">As an annualized percentage of Adjusted Premium Payments.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-3.75pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We call this fee the “Annual Policy Service Charge” in your policy and elsewhere in the prospectus. This fee is waived for policies that have $50,000 or more of Accumulation Value on a given Policy Anniversary.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-3.75pt;">4</span><span style="color:#000000;font-family:Arial;font-size:9pt;">We call this the “Mortality and Expense Risk and Administrative Costs Charge (M&amp;E)” in your policy and elsewhere in this prospectus.</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: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;">Annual Death Benefit Reset Rider Applied for After </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">May 1, 2016</span></div></div></td> <td style="background-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:62.5pt;"> <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;">(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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Year), deducted on a quarterly basis; for a detailed explanation of the term </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;">“ADBR Reset Value,” see “DESCRIPTION OF BENEFITS – Annual Death </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;">Benefit Reset (ADBR) Rider”).</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;">1.00</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;">0.25</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</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: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;">Annual Death Benefit Reset Rider Applied for Before </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">May 1, 2016</span></div></div></td> <td style="background-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:89pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom: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;">(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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Year), deducted on a quarterly basis; for a detailed explanation of the term </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;">“ADBR Reset Value,” see “DESCRIPTION OF BENEFITS––Annual Death </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;">Benefit Reset (ADBR) Rider”).</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom: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;">1.00</span><span style="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;">0.30</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <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;line-height:12pt;"> </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-style:italic;">(if the oldest </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-style:italic;">Owner was age 65 </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-style:italic;">or younger when </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-style:italic;">the policy was </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-style:italic;">issued)</span></div></div></td></tr> <tr style="height:86.5pt;"> <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;">0.35</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div> <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;line-height:12pt;"> </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-style:italic;">(if the oldest </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-style:italic;">Owner was age 66 </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-style:italic;">to 75 inclusive </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-style:italic;">when the policy </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-style:italic;">was issued)</span></div></div></td></tr></table><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 1.</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;">1.39%</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:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Transaction 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;">Surrender Charges (as a percentage of amount withdrawn). Applied to amounts in excess of the Surrender Charge </span><span style="font-family:Arial;font-size:10pt;">Free Amount that you may withdraw each Policy Year. For the surrender charge schedule applicable for policies issued in New York with an application signed on or after November 13, 2023, see APPENDIX 3 – State Variations.</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:18.5pt;"> <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:100.5pt;"> <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;">Policy 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:42pt;"> <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;">1</span></div></div></td> <td style="background-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:42pt;"> <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;">2</span></div></div></td> <td style="background-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:42pt;"> <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;">3</span></div></div></td> <td style="background-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:42pt;"> <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;">4</span></div></div></td> <td style="background-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:42pt;"> <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;">5</span></div></div></td> <td style="background-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:42pt;"> <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;">6</span></div></div></td> <td style="background-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:42pt;"> <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;">7</span></div></div></td> <td style="background-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:42pt;"> <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;">8</span></div></div></td> <td style="background-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:42pt;"> <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;">9</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:43.5pt;"> <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;">10+</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:Bottom;width:100.5pt;"> <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;">Surrender Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">7.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">7.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">7.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">6.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">5.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">4.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">3.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:42pt;"> <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;">1.00%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Bottom;width:43.5pt;"> <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;">0.00%</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: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 12 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;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">0</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Loan Processing Fee (TSA Plans only)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">25</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;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">0</span></div></div></td></tr></table><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).</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;">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> 0.0700 30 0 20 0 25 0 30 30 2016-05-01 0.0135 0.0130 0.0155 0.0140 0.0115 0.0110 0.0135 0.0120 2016-05-01 0.0135 0.0135 0.0155 0.0155 0.0115 0.0115 0.0135 0.0135 <span style="color:#000000;font-family:Arial;font-size:9pt;">We call this fee the “Annual Policy Service Charge” in your policy and elsewhere in the prospectus. This fee is waived for policies that have $50,000 or more of Accumulation Value on a given Policy Anniversary.</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">We call this the “Mortality and Expense Risk and Administrative Costs Charge (M&amp;E)” in your policy and elsewhere in this prospectus.</span> 2016-05-01 0.0100 0.0025 2016-05-01 0.0100 0.0030 0.0035 <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 1.</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;">1.39%</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;">$9,525.32</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;">$16,160.39</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;">$21,072.13</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;">$33,596.85</span></div></div></td></tr></table> 9525.32 16160.39 21072.13 33596.85 <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;">$9,525.32</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;">$9,495.60</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;">$16,129.52</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;">$33,596.85</span></div></div></td></tr></table> 9525.32 9495.60 16129.52 33596.85 <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;">$3,106.00</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;">$9,495.60</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;">$16,129.52</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;">$33,596.85</span></div></div></td></tr></table> 3106.00 9495.60 16129.52 33596.85 <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;">$9,792.37</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;">$16,876.61</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;">$22,146.35</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;">$35,161.72</span></div></div></td></tr></table> 9792.37 16876.61 22146.35 35161.72 <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;">$9,792.37</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;">$10,262.80</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;">$17,260.72</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;">$35,161.72</span></div></div></td></tr></table> 9792.37 10262.80 17260.72 35161.72 <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;">$3,391.00</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;">$10,262.80</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;">$17,260.72</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;">$35,161.72</span></div></div></td></tr></table> 3391.00 10262.80 17260.72 35161.72 <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="font-family:Arial;font-size:10pt;font-weight:bold;">Poor Investment Performance.</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="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 you choose. 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 or an Asset Allocation Model are subject to the risks inherent in the securities markets and, specifically, to price fluctuations in the Portfolio’s</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">investments. Each investment option (including the Fixed Account) 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/flex-iii. 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 FlexIIIProspectus@newyorklife.com. You should review the prospectuses for the available Portfolios before making an investment decision.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Liquidity Risk.</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">This policy is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Surrender charges apply for up to the first nine Policy Years. They will reduce the value of your policy if you withdraw money during that time. 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. 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="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 or terminate the Standard Death Benefit available under the policy. Withdrawals 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 Future Income Rider allows you to purchase a future stream of guaranteed income, however there are limits as to the amount of future income that can be purchased and you are subject to an initial waiting period. Additionally, you must make all purchases at least two years before the Future Income Start Date or annuitization of the base policy, whichever comes first.</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 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. Accordingly, under certain circumstances, a withdrawal could reduce the value of the ADBR 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 Living Needs Benefit/Unemployment Rider only provides a benefit after the policy has been in force for at least one year and only if a Qualifying Event occurs, and requires a minimum Accumulation Value of $5,000.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Waiver of Surrender Charges for Home Health Care Qualifying Event Rider only provides a benefit if you are 76 or older when you purchase the policy and if you receive Home Health Care Services from a Home Health Care Provider for at least 60 days during the 6 months immediately prior to requesting a partial withdrawal or surrender. </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.</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 reserve the right to limit transfers, and we reserve the right to charge $30 for each transfer when you transfer money to or from the Investment Divisions and the Fixed Account more than 12 times in a Policy Year. We also reserve the right to terminate certain policy features such as dollar cost averaging, Automatic Asset Rebalancing, Asset Allocation Models and Interest Sweep.</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. In addition, we reserve the right to remove Investment Divisions or substitute Portfolios as investment options that 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;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 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 surrender charges), 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;margin-left:12pt;">The amount of premium-based M&amp;E Charges assessed to your policy will be unaffected by fluctuations in market </span><span style="color:#000000;font-family:Arial;font-size:10pt;">performance. In a rising market, the premium-based M&amp;E Charge structure will benefit the policyowner because the premium-based M&amp;E Charge, when calculated as a percentage of separate account assets, will be reduced. In a flat or declining market, the premium-based M&amp;E Charge structure will result in an increase in the charge when calculated against separate account assets. The amount of Accumulation Value-based M&amp;E Charges assessed to your policy will be affected by fluctuations in market performance. However, the Accumulation Value-based M&amp;E Charge structure may be more advantageous in a flat or declining market and disadvantageous in a rising market.</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;">Fixed 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 rate we declare for the Fixed Account may be lower than you would find acceptable.</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.</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;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 (including those of the Fixed Account), 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 the VPSC at 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 “ADDITIONAL INFORMATION ABOUT RISKS (Non-Principal Risks)” for more information.)</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;">Poor Investment Performance.</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="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 you choose. 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 or an Asset Allocation Model are subject to the risks inherent in the securities markets and, specifically, to price fluctuations in the Portfolio’s</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">investments. Each investment option (including the Fixed Account) 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/flex-iii. 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 FlexIIIProspectus@newyorklife.com. You should review the prospectuses for the available Portfolios before making an investment decision.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;">Liquidity Risk.</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">This policy is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Surrender charges apply for up to the first nine Policy Years. They will reduce the value of your policy if you withdraw money during that time. 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. 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="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 or terminate the Standard Death Benefit available under the policy. Withdrawals 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 Future Income Rider allows you to purchase a future stream of guaranteed income, however there are limits as to the amount of future income that can be purchased and you are subject to an initial waiting period. Additionally, you must make all purchases at least two years before the Future Income Start Date or annuitization of the base policy, whichever comes first.</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 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. Accordingly, under certain circumstances, a withdrawal could reduce the value of the ADBR 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 Living Needs Benefit/Unemployment Rider only provides a benefit after the policy has been in force for at least one year and only if a Qualifying Event occurs, and requires a minimum Accumulation Value of $5,000.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Waiver of Surrender Charges for Home Health Care Qualifying Event Rider only provides a benefit if you are 76 or older when you purchase the policy and if you receive Home Health Care Services from a Home Health Care Provider for at least 60 days during the 6 months immediately prior to requesting a partial withdrawal or surrender. </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.</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 reserve the right to limit transfers, and we reserve the right to charge $30 for each transfer when you transfer money to or from the Investment Divisions and the Fixed Account more than 12 times in a Policy Year. We also reserve the right to terminate certain policy features such as dollar cost averaging, Automatic Asset Rebalancing, Asset Allocation Models and Interest Sweep.</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. In addition, we reserve the right to remove Investment Divisions or substitute Portfolios as investment options that 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;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 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 surrender charges), 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;margin-left:12pt;">The amount of premium-based M&amp;E Charges assessed to your policy will be unaffected by fluctuations in market </span><span style="color:#000000;font-family:Arial;font-size:10pt;">performance. In a rising market, the premium-based M&amp;E Charge structure will benefit the policyowner because the premium-based M&amp;E Charge, when calculated as a percentage of separate account assets, will be reduced. In a flat or declining market, the premium-based M&amp;E Charge structure will result in an increase in the charge when calculated against separate account assets. The amount of Accumulation Value-based M&amp;E Charges assessed to your policy will be affected by fluctuations in market performance. However, the Accumulation Value-based M&amp;E Charge structure may be more advantageous in a flat or declining market and disadvantageous in a rising market.</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;">Fixed 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 rate we declare for the Fixed Account may be lower than you would find acceptable.</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.</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;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 (including those of the Fixed Account), 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 the VPSC at 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 “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:98.5pt;"> <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 or (iii) the Step-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;">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;">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 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></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">OPTIONAL DEATH BENEFIT 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:278.5pt;"> <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 style="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 80 or 85 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">(depending when 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;">was purchased).</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;">In certain jurisdictions, 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;">ownership change or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">assignment will terminate </span></div> <div style="margin-left:3.75pt;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.</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 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;">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></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:26.5pt;"> <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;">Living Needs </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;">Waives Surrender Charges 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;">the Owner experiences</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;">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;">Policy must have been 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;">force for at least one year </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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:269pt;"> <td style="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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Unemployment </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;">Rider</span></div></div></td> <td style="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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">certain “qualifying events” </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;">such as: (i) confinement to 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;">health care facility for 60 </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;">consecutive days; </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) terminal illness; or </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;">(iii) disability. If the Owner </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;">becomes unemployed, 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:0.0pt;">rider waives Surrender </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;">Charges on a one-time </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;">withdrawal of up to 50% of </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;">your Accumulation Value.</span></div></div></td> <td style="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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and have a minimum </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;margin-left:9.0pt;">Accumulation Value of </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;margin-left:9.0pt;">$5,000.</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: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;">Qualifying Event (as </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;margin-left:9.0pt;">defined in the rider) must </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;margin-left:9.0pt;">occur after the Policy Date.</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: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;">Not available if any Owner </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;margin-left:9.0pt;">has attained age 86 on the </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;margin-left:9.0pt;">Policy Date.</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: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;">For the Disability portion of </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;margin-left:9.0pt;">the rider, any withdrawal </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;margin-left:9.0pt;">after your 66th birthday will </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;margin-left:9.0pt;">not be eligible for the rider </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;margin-left:9.0pt;">benefit and 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;margin-left:9.0pt;">charges may apply.</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: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;">Unemployment must be for </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;margin-left:9.0pt;">at least 60 consecutive </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;margin-left:9.0pt;">days.</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: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;">A determination letter from </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;margin-left:9.0pt;">your state’s Department of </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;margin-left:9.0pt;">Labor is required for </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;margin-left:9.0pt;">unemployment benefit.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:350.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of Surrender </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 for Home </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;">Health Care </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;">Qualifying Event </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;">Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waives 100% of Surrender </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;">Charges if eligible Owner </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;">receives Home Health Care </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;">Services by a Home Health </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;">Care Provider.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2.5pt;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: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;">Policy must have been in </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;margin-left:9.0pt;">force for at least one year </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;margin-left:9.0pt;">and have a minimum </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;margin-left:9.0pt;">Accumulation Value of </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;margin-left:9.0pt;">$5,000.</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: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;">Qualifying Event (as </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;margin-left:9.0pt;">defined in the rider) must </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;margin-left:9.0pt;">occur after the Policy 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: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;">Only available at time of </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;margin-left:9.0pt;">application for Owners who </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;margin-left:9.0pt;">are age 76 or greater when </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;margin-left:9.0pt;">the policy is issued.</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: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;">Owner must have received </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;margin-left:9.0pt;">Home Health Care </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;margin-left:9.0pt;">Services from a Home </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;margin-left:9.0pt;">Health Care Provider for at </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;margin-left:9.0pt;">least 60 days during the </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;margin-left:9.0pt;">six-month period </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;margin-left:9.0pt;">immediately preceding the </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;margin-left:9.0pt;">partial withdrawal or </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;margin-left:9.0pt;">surrender. The Home </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;margin-left:9.0pt;">Health Care Provider must </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;margin-left:9.0pt;">be an organization or </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;margin-left:9.0pt;">individual that is licensed to </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;margin-left:9.0pt;">provide home health care </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;margin-left:9.0pt;">to chronically ill individuals </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;margin-left:9.0pt;">in their home or residence.</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: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;">We reserve the right to </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;margin-left:9.0pt;">request satisfactory proof </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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</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: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:normal;"><span style="color:#000000;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: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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">of eligibility prior to each </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;margin-left:9.0pt;">request for a partial </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;margin-left:9.0pt;">withdrawal or full 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;margin-left:9.0pt;">surrender.</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:197pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom: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="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Future Income </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;font-weight:bold;margin-left:0.0pt;">Rider (no longer </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;font-weight:bold;margin-left:0.0pt;">available for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">applications signed </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;font-weight:bold;margin-left:0.0pt;">on or after </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;-sec-ix-hidden:x_8cb1aaaa-53b8-4255-9943-1e58b1f83de0">May 1, </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;font-weight:bold;margin-left:0.0pt;">2017</span><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;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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to apply a portion </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of your policy’s Variable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value 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;">purchase a stream 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;">guaranteed annuity Income </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Payments for the lifetime 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 Annuitant(s).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom: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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom: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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">A Future Income Purchase </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 proportionally reduce </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 guaranteed amount 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;">your death benefit.</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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Future Income Payment </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;">amounts are based 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;">variety of factors in effect </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;">at the time of each Future </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;">Income Purchase.</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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Amounts used for a Future </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;">Income Purchase are 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;">longer available for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawal or annuitization.</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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Future Income Start Date </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;">is subject to minimum 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;">maximum waiting periods.</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="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="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">semi-annually, or annually) 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;">maintain the percentage </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="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="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:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue it as scheduled.</span></div></div></td></tr> <tr style="height:161pt;"> <td style="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="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="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="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account at set </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="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:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing 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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">For premium based </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">M&amp;E </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;">Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> policies, amounts </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;">cannot be transferred 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;">the Fixed Account (if </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;">applicable).</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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue as scheduled.</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: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;">The DCA </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;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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account when 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;">initial premium payment or 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;">subsequent premium </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment of at least $2,000 is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">made. The DCA Advantage</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;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account open at the same </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;">time.</span><span style="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-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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:389pt;"> <td style="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:normal;"><span style="color:#000000;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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">choose in six monthly </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;">increments and pays 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;">interest on amounts </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;">remaining in 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.</span></div></div></td> <td style="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:normal;"><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: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 must allocate a </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;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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">file.</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: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 cannot make transfers </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;margin-left:9.0pt;">into the DCA Advantage </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;margin-left:9.0pt;">Account from any </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;margin-left:9.0pt;">Allocation 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: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;">The annual effective </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;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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on your Policy Data Pate </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;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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may differ.</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: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;">The benefits payable under </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;margin-left:9.0pt;">the DCA Advantage </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;margin-left:9.0pt;">Account (including principal </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;margin-left:9.0pt;">and interest) are payable </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;margin-left:9.0pt;">from NYLIAC's general </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;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:normal;"><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;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:122.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Interest Sweep</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers </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;">interest earned on the Fixed </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;">Account to one or any </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;">combination of 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;">Divisions.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2.5pt;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: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;">Frequency of the transfers </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;margin-left:9.0pt;">can be monthly, quarterly, </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;margin-left:9.0pt;">semi-annually, or annually.</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: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 must have a minimum </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;margin-left:9.0pt;">of $2,500 in the Fixed </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;margin-left:9.0pt;">Account to elect this option </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;margin-left:9.0pt;">(but this amount may be </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;margin-left:9.0pt;">reduced at our discretion) </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;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue as scheduled.</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:98.5pt;"> <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 or (iii) the Step-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;">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;">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 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></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:278.5pt;"> <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 style="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 80 or 85 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">(depending when 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;">was purchased).</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;">In certain jurisdictions, 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;">ownership change or </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">assignment will terminate </span></div> <div style="margin-left:3.75pt;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.</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 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;">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></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:26.5pt;"> <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;">Living Needs </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;">Waives Surrender Charges 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;">the Owner experiences</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;">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;">Policy must have been 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;">force for at least one year </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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:269pt;"> <td style="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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Unemployment </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;">Rider</span></div></div></td> <td style="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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">certain “qualifying events” </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;">such as: (i) confinement to 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;">health care facility for 60 </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;">consecutive days; </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) terminal illness; or </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;">(iii) disability. If the Owner </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;">becomes unemployed, 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:0.0pt;">rider waives Surrender </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;">Charges on a one-time </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;">withdrawal of up to 50% of </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;">your Accumulation Value.</span></div></div></td> <td style="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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and have a minimum </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;margin-left:9.0pt;">Accumulation Value of </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;margin-left:9.0pt;">$5,000.</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: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;">Qualifying Event (as </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;margin-left:9.0pt;">defined in the rider) must </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;margin-left:9.0pt;">occur after the Policy Date.</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: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;">Not available if any Owner </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;margin-left:9.0pt;">has attained age 86 on the </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;margin-left:9.0pt;">Policy Date.</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: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;">For the Disability portion of </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;margin-left:9.0pt;">the rider, any withdrawal </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;margin-left:9.0pt;">after your 66th birthday will </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;margin-left:9.0pt;">not be eligible for the rider </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;margin-left:9.0pt;">benefit and 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;margin-left:9.0pt;">charges may apply.</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: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;">Unemployment must be for </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;margin-left:9.0pt;">at least 60 consecutive </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;margin-left:9.0pt;">days.</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: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;">A determination letter from </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;margin-left:9.0pt;">your state’s Department of </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;margin-left:9.0pt;">Labor is required for </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;margin-left:9.0pt;">unemployment benefit.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:350.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of Surrender </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 for Home </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;">Health Care </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;">Qualifying Event </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;">Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waives 100% of Surrender </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;">Charges if eligible Owner </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;">receives Home Health Care </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;">Services by a Home Health </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;">Care Provider.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2.5pt;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: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;">Policy must have been in </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;margin-left:9.0pt;">force for at least one year </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;margin-left:9.0pt;">and have a minimum </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;margin-left:9.0pt;">Accumulation Value of </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;margin-left:9.0pt;">$5,000.</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: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;">Qualifying Event (as </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;margin-left:9.0pt;">defined in the rider) must </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;margin-left:9.0pt;">occur after the Policy 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: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;">Only available at time of </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;margin-left:9.0pt;">application for Owners who </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;margin-left:9.0pt;">are age 76 or greater when </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;margin-left:9.0pt;">the policy is issued.</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: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;">Owner must have received </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;margin-left:9.0pt;">Home Health Care </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;margin-left:9.0pt;">Services from a Home </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;margin-left:9.0pt;">Health Care Provider for at </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;margin-left:9.0pt;">least 60 days during the </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;margin-left:9.0pt;">six-month period </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;margin-left:9.0pt;">immediately preceding the </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;margin-left:9.0pt;">partial withdrawal or </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;margin-left:9.0pt;">surrender. The Home </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;margin-left:9.0pt;">Health Care Provider must </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;margin-left:9.0pt;">be an organization or </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;margin-left:9.0pt;">individual that is licensed to </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;margin-left:9.0pt;">provide home health care </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;margin-left:9.0pt;">to chronically ill individuals </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;margin-left:9.0pt;">in their home or residence.</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: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;">We reserve the right to </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;margin-left:9.0pt;">request satisfactory proof </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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</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: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:normal;"><span style="color:#000000;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: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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">of eligibility prior to each </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;margin-left:9.0pt;">request for a partial </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;margin-left:9.0pt;">withdrawal or full 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;margin-left:9.0pt;">surrender.</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:197pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom: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="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Future Income </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;font-weight:bold;margin-left:0.0pt;">Rider (no longer </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;font-weight:bold;margin-left:0.0pt;">available for </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">applications signed </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;font-weight:bold;margin-left:0.0pt;">on or after </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;-sec-ix-hidden:x_8cb1aaaa-53b8-4255-9943-1e58b1f83de0">May 1, </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;font-weight:bold;margin-left:0.0pt;">2017</span><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;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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to apply a portion </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of your policy’s Variable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value 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;">purchase a stream 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;">guaranteed annuity Income </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Payments for the lifetime 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 Annuitant(s).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom: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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom: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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">A Future Income Purchase </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 proportionally reduce </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 guaranteed amount 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;">your death benefit.</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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Future Income Payment </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;">amounts are based 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;">variety of factors in effect </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;">at the time of each Future </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;">Income Purchase.</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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Amounts used for a Future </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;">Income Purchase are 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;">longer available for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawal or annuitization.</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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">Future Income Start Date </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;">is subject to minimum 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;">maximum waiting periods.</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="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="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">semi-annually, or annually) 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;">maintain the percentage </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="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="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:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue it as scheduled.</span></div></div></td></tr> <tr style="height:161pt;"> <td style="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="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="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="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account at set </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="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:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing 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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial;font-size:10pt;margin-left:3.72pt;">For premium based </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">M&amp;E </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;">Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> policies, amounts </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;">cannot be transferred 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;">the Fixed Account (if </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;">applicable).</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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue as scheduled.</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: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;">The DCA </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;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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account when 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;">initial premium payment or 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;">subsequent premium </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment of at least $2,000 is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">made. The DCA Advantage</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;">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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="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="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="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="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="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account open at the same </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;">time.</span><span style="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-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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:389pt;"> <td style="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:normal;"><span style="color:#000000;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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">choose in six monthly </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;">increments and pays 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;">interest on amounts </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;">remaining in 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.</span></div></div></td> <td style="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:normal;"><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: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 must allocate a </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;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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">file.</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: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 cannot make transfers </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;margin-left:9.0pt;">into the DCA Advantage </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;margin-left:9.0pt;">Account from any </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;margin-left:9.0pt;">Allocation 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: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;">The annual effective </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;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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on your Policy Data Pate </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;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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may differ.</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: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;">The benefits payable under </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;margin-left:9.0pt;">the DCA Advantage </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;margin-left:9.0pt;">Account (including principal </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;margin-left:9.0pt;">and interest) are payable </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;margin-left:9.0pt;">from NYLIAC's general </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;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:normal;"><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;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:122.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Interest Sweep</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers </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;">interest earned on the Fixed </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;">Account to one or any </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;">combination of 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;">Divisions.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2.5pt;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: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;">Frequency of the transfers </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;margin-left:9.0pt;">can be monthly, quarterly, </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;margin-left:9.0pt;">semi-annually, or annually.</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: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 must have a minimum </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;margin-left:9.0pt;">of $2,500 in the Fixed </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;margin-left:9.0pt;">Account to elect this option </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;margin-left:9.0pt;">(but this amount may be </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;margin-left:9.0pt;">reduced at our discretion) </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;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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue as scheduled.</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 or (iii) the Step-up </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death 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 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;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 80 or 85 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">(depending when the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">was purchased).</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;">In certain jurisdictions, an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">ownership change or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">assignment will terminate </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the benefit.</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 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;">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:0.0pt;">Living Needs </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;">Waives Surrender Charges if </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Owner experiences</span> 0 <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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:269pt;"> <td style="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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Unemployment </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;">Rider</span></div></div></td> <td style="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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">certain “qualifying events” </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;">such as: (i) confinement to 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;">health care facility for 60 </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;">consecutive days; </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) terminal illness; or </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;">(iii) disability. If the Owner </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;">becomes unemployed, 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:0.0pt;">rider waives Surrender </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;">Charges on a one-time </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;">withdrawal of up to 50% of </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;">your Accumulation Value.</span></div></div></td> <td style="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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and have a minimum </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;margin-left:9.0pt;">Accumulation Value of </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;margin-left:9.0pt;">$5,000.</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: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;">Qualifying Event (as </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;margin-left:9.0pt;">defined in the rider) must </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;margin-left:9.0pt;">occur after the Policy Date.</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: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;">Not available if any Owner </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;margin-left:9.0pt;">has attained age 86 on the </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;margin-left:9.0pt;">Policy Date.</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: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;">For the Disability portion of </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;margin-left:9.0pt;">the rider, any withdrawal </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;margin-left:9.0pt;">after your 66th birthday will </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;margin-left:9.0pt;">not be eligible for the rider </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;margin-left:9.0pt;">benefit and 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;margin-left:9.0pt;">charges may apply.</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: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;">Unemployment must be for </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;margin-left:9.0pt;">at least 60 consecutive </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;margin-left:9.0pt;">days.</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: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;">A determination letter from </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;margin-left:9.0pt;">your state’s Department of </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;margin-left:9.0pt;">Labor is required for </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;margin-left:9.0pt;">unemployment benefit.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of Surrender </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges for Home </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Health Care </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Qualifying Event </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waives 100% of Surrender </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges if eligible Owner </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receives Home Health Care </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Services by a Home Health </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Care Provider.</span> 0 <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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</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: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:normal;"><span style="color:#000000;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: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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">of eligibility prior to each </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;margin-left:9.0pt;">request for a partial </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;margin-left:9.0pt;">withdrawal or full 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;margin-left:9.0pt;">surrender.</span></div></div></td></tr></table> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Future Income </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rider (no longer </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">available for </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">applications signed </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on or after </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;-sec-ix-hidden:x_8cb1aaaa-53b8-4255-9943-1e58b1f83de0">May 1, </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">2017</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">)</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to apply a portion </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of your policy’s Variable </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value to </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">purchase a stream of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed annuity Income </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Payments for the lifetime of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Annuitant(s).</span> 0 <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;">A Future Income Purchase </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">will proportionally reduce </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the guaranteed amount of </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">your death benefit.</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;">Future Income Payment </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">amounts are based on a </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">variety of factors in effect </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">at the time of each Future </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Income Purchase.</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;">Amounts used for a Future </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Income Purchase are no </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">longer available for </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawal or annuitization.</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;">Future Income Start Date </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">is subject to minimum and </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">maximum waiting periods.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Automatic Asset </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically rebalances </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Variable Accumulation </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value (either quarterly, </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">semi-annually, or annually) to </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">maintain the percentage </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocated to each Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Division at a pre-set level.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers a </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">specific amount of money </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">from any Investment Division </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">to any combination of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account at set </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">intervals.</span> 0 <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;">Cannot be used with the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">traditional Dollar Cost </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging option.</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 must have a minimum </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option, </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a minimum of $2,500 </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue it as scheduled.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional Dollar </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cost Averaging</span> 0 <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;">Cannot be used with the </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing option.</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;">For premium based </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">M&amp;E </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> policies, amounts </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">cannot be transferred to </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Fixed Account (if </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">applicable).</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 must have a minimum </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option, </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a minimum of $2,000 </span><span style="font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue as scheduled.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The DCA </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Advantage Account</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to set up </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic dollar cost </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">averaging using the DCA </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account when an </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">initial premium payment or a </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">subsequent premium </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment of at least $2,000 is </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">made. The DCA Advantage</span> 0 <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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:389pt;"> <td style="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:normal;"><span style="color:#000000;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: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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">choose in six monthly </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;">increments and pays 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;">interest on amounts </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;">remaining in 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.</span></div></div></td> <td style="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:normal;"><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: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 must allocate a </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;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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">file.</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: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 cannot make transfers </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;margin-left:9.0pt;">into the DCA Advantage </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;margin-left:9.0pt;">Account from any </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;margin-left:9.0pt;">Allocation 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: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;">The annual effective </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;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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on your Policy Data Pate </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;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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may differ.</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: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;">The benefits payable under </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;margin-left:9.0pt;">the DCA Advantage </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;margin-left:9.0pt;">Account (including principal </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;margin-left:9.0pt;">and interest) are payable </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;margin-left:9.0pt;">from NYLIAC's general </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;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:normal;"><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;">Interest Sweep</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest earned on the Fixed </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Account to one or any </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">combination of Investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Divisions.</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;">Frequency of the transfers </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">can be monthly, quarterly, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">semi-annually, or annually.</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;">of $2,500 in the Fixed </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account to elect this option </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">(but this amount may be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">reduced at our discretion) </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-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 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">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 purchased before February 13, 2023 and owned by a grantor trust, benefits will be paid upon the death of any grantor. For policies owned by grantor trusts and purchased after February 13, 2023, benefits will be paid upon the death of the 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;">the 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; 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 Step–up 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, the Fixed Account 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. We will keep the remaining balance in the policy to pay the other Beneficiaries. 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 transfers between Investment Divisions of the Separate Account, the Fixed Account or any other investment option that we may offer at any time.</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 the Beneficiary unless you have elected or the Beneficiary elects </span><span style="color:#000000;font-family:Arial;font-size:10pt;">otherwise 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 3 –State Variations.”</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 the 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;">The Accumulation Value as of the ninth Policy Anniversary is $225,000; and</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 the tenth 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 Adjusted Death Benefit Premium Payments are 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 Adjusted Death Benefit Premium Payments were 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 tenth policy year, the Standard Death Benefit is $225,000, 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 = $183,333.33), </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">or</span><span style="font-family:Arial;font-size:10pt;">c)</span><span style="font-family:Arial;font-size:10pt;">The Step-Up Death Benefit;</span><span style="font-family:Arial;font-size:10pt;">=$</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">225,000 </span><span style="font-family:Arial;font-size:10pt;">(in most jurisdictions, the Step-up Death Benefit would be the Accumulation Value as of the ninth Policy Anniversary; in New York, for policies with an application signed on or after November 13, 2023, the Step-up Death Benefit would be the Accumulation Value as of the seventh Policy Anniversary)</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;">$225,000.</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, in jurisdictions where approved. You cannot cancel this Rider without surrendering your policy. 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 at the VPSC. For policies owned by a grantor trust, all of whose grantors are individuals, benefits will be paid upon the death of any grantor. 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, for Policies applied for on or after May 1, 2019, you reach age 85 and, for Policies applied for before May 1, 2019, until you reach age 80 (or the Annuitant if the Owner is not a natural person). For policies owned by a grantor trust applied for on or after May 1, 2019, the ADBR Reset Value will be calculated until any grantor reaches age 85, and for Policies applied for before May 1, 2019, reaches age 80. On the First Policy Anniversary, the ADBR Reset Value is defined as the greater of (a) the Accumulation Value on the first Policy Anniversary; and (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; and (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 or for grantor trust owned policies, the death of any </span><span style="color:#000000;font-family:Arial;font-size:10pt;">grantor. The only exception is if the policy remains in-force under the spousal option provision of the Policy, if available. If the Owner is not a natural person, or a grantor trust, the rider benefit will no longer reset after the death of 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, (including applicable surrender charges), 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 for an owner who is age 63. The current annual </span><span style="color:#000000;font-family:Arial;font-size:10pt;">rider charge is 0.25% (for policies applied for on and after May 1, 2016) of the ADBR 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;">the 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;">the 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 Policy Year 2 (no surrender charges are applicable)</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 at the beginning of the second policy quarter of Policy Year 2 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 – $15,000)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the charge for the ADBR Rider is assessed (for policies applied for on and after May 1, 2016): 0.25% annually (0.0625% per quarter)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(8)</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;">= $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 ($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</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 made 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, ($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;">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;">Waiver of Surrender Charges for Home Health Care Qualifying Event Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">This rider is automatically included for all policyowners who are at least age 76 on the Policy Date. This rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">waives 100% of surrender charges if the Owner begins receiving Home Health Care Services provided by a Home Health Care provider, as recommended by a licensed physician. In order to receive the benefit associated with this rider, your policy must have been in force for at least one year and have a minimum Accumulation Value of $5,000 and the Qualifying Event must occur on or after the Policy Date. The Owner must have received Home Health Care Services for at least 60 days during the six-month period preceding the partial withdrawal or full surrender. The Home Health Care Provider must be an organization or individual that is licensed to provide home health care to chronically ill individuals in their home or residence for an hourly or daily charge. The Owner must have received Home Health Care Services for at least 60 days during the six-month period preceding the partial withdrawal or full surrender. We receive the right to request satisfactory proof of eligibility each time the Owner requests a partial withdrawal or full surrender of the policy.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Living Needs Benefit/Unemployment Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">This rider is available at no additional cost. Rider benefits and requirements to qualify for the rider benefits may not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">be the same in all jurisdictions. We include a Living Needs Benefit/Unemployment Rider for all types of policies. In Connecticut, the rider is named the “Living Needs Benefit Rider” and the Unemployment and disability portions of the rider are not available. In New York, the rider is named “Waiver Of Surrender Charges For Living Needs Qualifying Events” and the Unemployment portion of the rider is not available. In New Jersey, the rider is named the “Living Needs Benefit Rider” and the Unemployment portion of the rider 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;margin-left:12pt;">The Living Needs Benefit/Unemployment Rider will waive all surrender charges (or a portion of surrender charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">in the case of Unemployment), if you provide satisfactory proof that the Owner has experienced a Qualifying Event (as defined below). In order to receive the benefit associated with this rider, your policy must have been in force for at least one year and have a minimum Accumulation Value of $5,000 and the Qualifying Event must occur on or after the Policy Date. For the Disability portion of the rider, any withdrawal after your 66</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;"> birthday will not be eligible for the rider benefit and surrender charges may apply. For the Unemployment portion of the rider, we will waive surrender charges on a one-time withdrawal of up to 50% of your Accumulation Value. Surrender charges will apply on amounts withdrawn in excess of that amount and on subsequent withdrawals. In addition, none of the benefits of this rider are available for policies where any Owner(s) has attained their 86</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;"> birthday on the Policy Date. If the Owner(s) is not a natural person, all restrictions and benefits of the rider are based on the Annuitant.</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 types of Qualifying Events are defined as follows:</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;">Health Care Facility (defined as a state licensed/certified nursing home/assisted living facility): The Owner is enrolled and living in a Health Care Facility for 60 consecutive days.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Terminal Illness: A determination by a licensed physician that the Owner has a life expectancy of 12 months or less.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Disability: A determination by a licensed physician that the Owner has a disability that prevents them from performing any work for pay or profit for at least 12 consecutive months. We may require proof of continued disability as of the date of the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(d)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Unemployment: A determination letter from the applicable state’s Department of Labor that the Owner qualifies for and has been receiving state unemployment benefits for 60 consecutive days.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A Health Care Facility is defined as a state licensed/certified nursing home/assisted living facility. In addition, we </span><span style="color:#000000;font-family:Arial;font-size:10pt;">may also require proof of continued disability as of the date of 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;">For example, if an Owner with $100,000 in Accumulation Value experiences one of the Qualifying Events described </span><span style="color:#000000;font-family:Arial;font-size:10pt;">in (a) – (c) above in Policy Year 3, he or she will be able to take withdrawals from his or her policy without having to pay a surrender charge on such withdrawals for as long as the Owner satisfies the conditions of eligibility. If the Owner were to experience the Qualifying Event of Unemployment in (d) in Policy Year 3, he or she would be able to make a one-time withdrawal of up to $50,000 without having to pay a surrender charge on such withdrawal. If he or she were to withdraw in excess of $50,000, he or she would pay a surrender charge on the amount exceeding $50,000 and on any subsequent withdrawals.</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 will be able to receive benefits under this rider the later of the date you meet the above requirements or the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">date we receive your documentation in Good Order at the VPSC at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">The Future Income Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The Future Income Rider (“FIR”) is not available for applications signed on or after May 1, 2017. The FIR was </span><span style="color:#000000;font-family:Arial;font-size:10pt;">included with most policies issued prior to May 1, 2017 at no additional charge (other than certain qualified plans; see APPENDIX 2 for more information). The FIR allows you to apply a portion of your policy’s Variable Accumulation Value to purchase a stream of guaranteed annuity Income Payments for the lifetime of the Annuitant(s) (a “Future Income Purchase”), starting on the Future Income Start Date. Future Income Purchases are maintained in NYLIAC’s general account, and guarantees under the FIR are backed solely by the claims–paying ability of the NYLIAC general 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;font-weight:bold;margin-left:12pt;">Future Income Purchases.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> You can choose if and when to make a Future Income Purchase, subject to an initial waiting period. Generally, you must wait until after the first Policy Anniversary following a Premium Payment to make a Future Income Purchase using amounts from that Premium Payment. However, before the first Policy Anniversary, you can make Future Income Purchases that are less than or equal to the amount by which the Accumulation Value exceeds the value of Premium Payments during that time. After the waiting period, you can make a Future Income Purchase at any time before you annuitize the policy and until two years before the Future Income Start Date. You choose a Future Income Start Date when you make your first Future Income Purchase. Currently, there is no limit on the total number of Future Income Purchases you can make while your policy is in effect. However, in the future we may limit the total number of Future Income Purchases you can make. If we decide to impose a limit, we will provide you with at least thirty (30) days’ notice. Future Income Purchases are not required.</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 minimum Future Income Purchase amount is $5,000 for the initial Future Income Purchase, and $100 for </span><span style="color:#000000;font-family:Arial;font-size:10pt;">subsequent purchases. Total Future Income Purchases cannot be more than $1,000,000. You can make no more than twelve (12) Future Income Purchases in any Policy Year. Future Income Purchases are made through deductions taken from your Policy’s Variable Accumulation Value. To make a Future Income Purchase, you can send a written request to one of the addresses provided the “CONTACTING NYLIAC” section of this Prospectus. We will process your request at the close of the Business Day on which it is received by NYLIAC. NYLIAC may limit total Future Income Purchases to 25% of Accumulation Value in a given Policy Year. If we decide to impose a limit, we will provide you with at least thirty (30) days’ notice.</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;">When you make a Future Income Purchase, you can specify from which Investment Divisions the Future Income </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Purchase amount should be deducted. You can choose to fund the Future Income Purchase with a pro-rata deduction from all your Investment Divisions, or you can select particular Investment Divisions from which to deduct the Future Income Purchase amount. You cannot use amounts in the DCA Advantage Account or the Fixed Account for a Future Income Purchase. There are no surrender charges on amounts deducted from your Variable Accumulation Value to make a Future Income Purchase. For the purposes of calculating the guaranteed amount of a death benefit under the base policy or the ADBR, a Future Income Purchase will be considered to be a withdrawal from the policy and will proportionally reduce the guaranteed amounts under these riders.</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 also make Future Income Purchases on a recurring basis by setting up systematic Future Income </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Purchases. The VPSC must receive a completed Future Income Purchase Form requesting systematic purchases at least five (5) Business Days before the date purchases are scheduled to begin. If your request for this option is received less than five (5) Business Days prior to the date you request purchases to begin, the systematic purchases will begin the month following the receipt of your request on the day of the month you specified, or if that day is not a Business Day, on the next Business Day.</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 amount of future income purchased depends on the Future Income Purchase rate in effect on the day you </span><span style="color:#000000;font-family:Arial;font-size:10pt;">make the purchase, as determined by NYLIAC, well as other factors, including the Age and sex of the Annuitant(s), the Future Income Purchase amount and the length of time before Future Income Payments are scheduled to begin. After each Future Income Purchase, we will send you a confirmation statement containing the amount of income you purchased.</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 cancel a Future Income Purchase by sending a written notice to one of the addresses provided in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">“CONTACTING NYLIAC” section of this Prospectus within ten (10) days after you receive written confirmation of that Future Income Purchase. If you do not cancel a Future Income Purchase, it will be deemed final and will be used to provide the Future Income Payment amount noted in the confirmation. Once final, the amount of the Future Income Purchase cannot be returned to the Investment Divisions and cannot be withdrawn or surrendered. If you cancel a Future Income Purchase, you cannot make another Future Income Purchase for ninety (90) days from the date of the cancelled purchase. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Any Variable Accumulation Value used for a Future Income Purchase can only be accessed through the receipt of Future Income Payments, starting on the Future Income Start Date. Once a portion of your Variable Accumulation Value is used to make a Future Income Purchase, it is no longer available to you on a full or partial surrender of your Policy, or upon a full or partial annuitization, unless the Future Income Purchase is reversed during the cancellation period. Accordingly, before making a Future Income Purchase, you should consider your liquidity needs. Variable Accumulation Value used to make Future Income Purchases is no longer invested in the Investment Divisions and will not earn any interest.</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;">Future Income Payments.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> If an Annuitant is living, we will make Future Income Payments to the Payee you designate, beginning on the Future Income Start Date. Future Income Payments will continue for the lifetime of the Annuitant (or last surviving Annuitant, for joint Annuitant policies). The amount of a Future Income Payment is based on, among other things, the Future Income Purchase rates in effect when you make the Future Income Purchase, the Age and sex of the Annuitant(s), the Future Income Purchase amount and the length of time before Future Income Payments are scheduled to begin. The guaranteed lifetime income from the FIR could be higher or lower than the amount you might receive if you purchased a similar product that is offered by us or by another company.</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 to make multiple Future Income Purchases, the amount of your Future Income Payments will be </span><span style="color:#000000;font-family:Arial;font-size:10pt;">greater after each purchase. We will send you a written confirmation of the change in the Future Income Payment amount after each purchase. Please refer to the rider Data Page for more information about how the Future Income Purchase rate and the resulting Future Income Payment amount are determined.</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;">Full or partial surrenders or annuitizations will not affect Future Income Payment amounts. Please note, however, </span><span style="color:#000000;font-family:Arial;font-size:10pt;">even if you surrender the Policy, we will not make any Future Income Payments until the Future Income Start 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;margin-left:12pt;">You can make a one–time change to the Future Income Start Date that you chose when you made your first Future </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Income Purchase. The earliest Future Income Payment Start Date you can change to is thirteen (13) months from the date of your last Future Income Purchase, and the latest date is five (5) years after the original Future Income Start Date you chose, or the year in which the Annuitant (oldest joint Annuitant, if applicable) is age 85, if earlier. Note, however that with Traditional IRA policies, the Future Income Start Date cannot be deferred later than April 1 of the year following the year when the Owner reaches their applicable age (see “DISTRIBUTIONS UNDER THE POLICY – </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Required Minimum Distributions”). For Qualified Policies, a change in the Future Income Start Date to an earlier date may be subject to Code restrictions applicable to required minimum distributions. If a change in the Future Income Start Date would result in Future Income Payments that violate those Code restrictions, we will inform you that you may revise your request to an allowable Future Income Start Date. If the Future Income Start Date is accelerated by five (5) years or less, we will increase the Future Income Payments, if necessary, to an amount that will satisfy Code restrictions. Accelerating the Future Income Start Date would likely result in a lower Future Income Payment and deferring the date would likely result in a higher payment. However, if you defer the date, you increase the chance that you may die before payments begin, or you could receive fewer payments before you die. If you choose to change the Future Income Start Date, the interest rate for recalculating your Future Income Payments will be determined according to a formula that appears on your rider Data Page. The formula includes a factor that will increase the interest rate used to recalculate the Future Income Payments for accelerations and decrease the interest rate used to recalculate Future Income Payments for deferrals. The rider Data Page has additional information about how accelerating or deferring the Future Income Start Date will affect your Future Income Payments. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">APPENDIX 2</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> has information about restrictions on Income Start Dates under qualified plans.</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;">To change the Future Income Start Date, you must send the VPSC a request in writing</span><span style="font-family:Arial;font-size:10pt;"> or by any other method we make available, to one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus.</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 the Annuitant is living on the Future Income Start Date, we will make Future Income Payments under the life with </span><span style="color:#000000;font-family:Arial;font-size:10pt;">cash refund option to the designated Payee. For Non–Qualified Policies only, you also have the option to receive any eight (8) consecutive Future Income Payments in advance in a lump sum. This option can be exercised only three (3) times over the life of the Policy. This option is not available if you are under age 59½.</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;">Death Benefits under the FIR.</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;margin-left:12pt;">Death benefits under the FIR are in addition to death benefits payable under the base policy, which are described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;">“DESCRIPTION OF BENEFITS – The Standard Death Benefit–Death Before Annuity Commencement” and death benefits under the optional Annual Death Benefit Reset Rider, which are described in “DESCRIPTION OF BENEFITS—Annual Death Benefit Reset (ADBR) Rider”. If you have made a Future Income Purchase, the FIR provides for the following death benefits:</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;">If the Policy ends due to the death of an Owner or Annuitant before the Policy is annuitized (i.e. when Income Payments under the policy begin) and before the Future Income Start Date, the FIR ends and we will pay the Beneficiary a death benefit in an amount equal to the cumulative Future Income Purchases.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Policy ends because an Owner or Annuitant dies before the policy is annuitized and after the Future Income Start Date, we will continue to make Future Income Payments to the Payee, while an Annuitant is living. If no Annuitant is living or when the Annuitant dies (last surviving Annuitant for joint Annuitant policies), we will pay to your Beneficiary, even if the Payee is still living, a death benefit, if any, in an amount equal to the cumulative Future Income Purchases less the sum of Future Income Payments made as of the date of death of the Annuitant (last surviving Annuitant for joint Annuitant policies). The Payee is the individual or entity you have designated to receive Future Income Payments.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If an Owner dies after the policy is annuitized and before the Future Income Start Date, the FIR ends and we will pay the Beneficiary a death benefit in an amount equal to the cumulative Future Income Purchases even if an Annuitant is still living.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If an Owner dies after the policy is annuitized and after the Future Income Start Date, we will continue making Future Income Payments to the Payee while an Annuitant is living. If the Payee dies before the Annuitant, then we will make Future Income Payments to the Annuitant, unless you specify otherwise. If no Annuitant is living, or when the Annuitant dies (last surviving Annuitant for joint Annuitant policies), we will pay the Beneficiary, even if the Payee is still living, a death benefit, if any, in an amount equal to the cumulative Future Income Purchases less the sum of Future Income Payments made as of the date of death of the Annuitant (last surviving Annuitant for joint Annuitant policies).</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Death of an Annuitant under the FIR</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;margin-left:12pt;">If the policy is issued with one Annuitant, who is not the Owner, and the Annuitant dies before the Future Income </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Start Date, then you (the primary Owner) become the new Annuitant. We will increase the Variable Accumulation Value by an amount equal to the cumulative Future Income Purchases made while the Annuitant was living. We will apply the increase to the Investment Divisions on a pro–rata basis, based on the allocations in effect as of the date of the Annuitant’s death. We will make this adjustment as of the date we receive proof of death for the Annuitant. No Future Income Payments will be made with the Future Income Purchases based on the original Annuitant’s life. However, the Owner (who is now the new Annuitant) may make subsequent Future Income Purchases based on his or her own life.</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 joint Annuitant policies, if an Annuitant who is not an Owner dies prior to the Future Income Start Date, you </span><span style="color:#000000;font-family:Arial;font-size:10pt;">cannot add a new joint Annuitant, and we will not make any adjustments to the Variable Accumulation Value when a non–Owner Annuitant dies. You may continue to make Future Income Purchases based on the life of the surviving Annuitant. These purchases will be added to any joint life Future Income Purchases, made prior to the Annuitant’s death, to provide Future Income Payments at the Future Income Start 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;">Spousal Continuation and the FIR</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;margin-left:12pt;">If the Owner dies before annuitizing the policy, and the Owner’s spouse is eligible to continue the policy (see </span><span style="color:#000000;font-family:Arial;font-size:10pt;">“DESCRIPTION OF BENEFITS – The Standard Death Benefit–Death Before Annuity Commencement”, below), the following will occur if your spouse continues 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;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you die before the Future Income Start Date, and you were the only Annuitant, and you have not made any Future Income Purchases, your Spouse may make Future Income Purchases based on his or her own life as the new Annuitant, subject to certain limitations specified in the FIR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you die before the Future Income Start Date, and you were the only Annuitant, and you made Future Income Purchases, we will not make any Future Income Payments based on those Future Income Purchases. Instead, we will increase the Policy’s Variable Accumulation Value by an amount equal to the total Future Income Purchases. We will apply the increase on a pro–rata basis, based on the Investment Division allocations in effect as of the date of your death. We will make this adjustment as of the date we receive proof of death for you. Following this adjustment, your spouse, who is now the Annuitant, may make Future Income Purchases based on his or her own life, subject to certain limitations in the FIR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you and your spouse were joint Annuitants, after you die your spouse may make Future Income Purchases based on his or her own life, subject to certain limitations in the FIR, even if you made joint–life Future Income Purchases prior to your death. We will apply all Future Income Purchases that either or both of you made to Future Income Payments at the Future Income Start Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you were not an Annuitant, after you die your spouse may make Future Income Purchases based on the life of the Annuitant, or joint Annuitants, as applicable, and subject to the limitations of the FIR. We will apply all Future Income Purchases that either or both of you made to Future Income Payments.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you die after the Future Income Start Date but before annuitizing the policy, the following will 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;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">We will continue to make Future Income Payments to the Payee for as long as an Annuitant is living. Your spouse may continue the policy.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Set forth below is an example of how the benefit under the FIR may be realized. In this example, we have assumed </span><span style="color:#000000;font-family:Arial;font-size:10pt;">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 policyowner is a 60-year-old woman in her fourth Policy Year;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy has $100,000 of 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;">On May 1, 2021, the policyowner purchases $15,000 in Future Income with the Cash Refund Income Option and has chosen a Future Income Start Date of May 1, 2025; and</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Accumulation Value of the policy decreased to $85,000 as a result. No surrender charges are assessed;</span><span style="font-family:Arial;font-size:10pt;margin-left:12pt;">Based on the rate in effect for this policyowner on May 1, 2021, the policyowner will receive annual income </span><span style="font-family:Arial;font-size:10pt;">starting on May 1, 2025 in the amount of $755.28.</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;">Unless you opt out of AAR on your application or in a subsequent notice, your policy will 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="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="font-family:Arial;font-size:10pt;">MacKay Convertible Investment Division and 50% of the Variable Accumulation Value be allocated to the MainStay VP 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. AAR also applies if your Variable Accumulation Value is allocated to an Asset Allocation Model.</span><span style="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="color:#000000;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 must send a completed AAR </span><span style="color:#000000;font-family:Arial;font-size:10pt;">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="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 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 12 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> <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;margin-left:106.73pt;width:308.53pt;"> <tr style="height:29.5pt;"> <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:58.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Month</span></div></div></td> <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:67.55pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Amount</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Transferred</span></div></div></td> <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:78.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accumulation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Unit Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:104.38pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accumulation Units</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purchased</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:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1</span></div></div></td> <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:67.55pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$100</span></div></div></td> <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:78.11pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$10.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">10.00</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:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">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:Middle;width:67.55pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$100</span></div></div></td> <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:78.11pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$8.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">12.50</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:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">3</span></div></div></td> <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:67.55pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$100</span></div></div></td> <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:78.11pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$12.50</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">8.00</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:58.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">4</span></div></div></td> <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:67.55pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$100</span></div></div></td> <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:78.11pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$7.50</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">13.33</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:58.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Total</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:67.55pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$400</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:78.11pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$38.00</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:104.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">43.83</span></div></div></td></tr></table><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> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:122.66pt;width:276.68pt;"> <tr style="height:17.25pt;"> <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:129pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-right:9pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Total unit price</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Top;width:23.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">=</span></div></div></td> <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9pt;margin-right:9pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$38.00</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Top;width:23.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">=</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Top;width:34.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$9.50</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="padding-bottom:4.5pt;padding-top:2.25pt;vertical-align:Top;width:129pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Number of months</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:2.25pt;vertical-align:Top;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">4</span></div></div></td></tr></table><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> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:122.66pt;width:276.68pt;"> <tr style="height:17.25pt;"> <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:129pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-right:9pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Total amount transferred</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Top;width:23.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">=</span></div></div></td> <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9pt;margin-right:9pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$400.00</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Top;width:23.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">=</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Top;width:34.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$9.13</span></div></div></td></tr> <tr style="height:13.25pt;"> <td style="padding-bottom:4.5pt;padding-top:2.25pt;vertical-align:Top;width:129pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Total units purchased</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:2.25pt;vertical-align:Top;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:9pt;margin-right:9pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">43.83</span></div></div></td></tr></table><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</span><span style="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="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 and/or the Fixed Account. Please note that for Premium based Base Contract Charge policies, amounts cannot be transferred to the Fixed Account (if applicable) You will specify the Investment Divisions to transfer money from, the Investment Divisions and/or Fixed Account 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). You may not use traditional dollar cost averaging to make transfers into or from an Asset Allocation Model. You may not make transfers from the Fixed Account, but you may make transfers into the Fixed Account. Each transfer from an Investment Division must be at least $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 you are transferring from is less than $100, the 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="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">NYLIAC will make all Dollar Cost Averaging transfers on the day of each calendar month that you specify or on the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">next Business Day (if the day you have specified is not a Business Day). You may specify any day of the month except the 29th, 30th, or 31st. In order to process transfers under the Dollar Cost Averaging Option, the VPSC must have received a completed Dollar Cost Averaging request form in Good Order at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus no later than five Business Days prior to the date transfers are to begin. You may also process a Dollar Cost Averaging transfer by any other method we make available. If your Dollar Cost Averaging request form for this option 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. All completed Dollar Cost Averaging request forms must be sent to the VPSC at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus. Faxed and e-mailed requests are not currently accepted, however, we reserve the right to accept them at our discretion.</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 cancel the Dollar Cost Averaging option at any time. To cancel the Dollar Cost Averaging option, you must </span><span style="color:#000000;font-family:Arial;font-size:10pt;">send a written cancellation request in Good Order to the VPSC or contact us by phone at the number provided in the “CONTACTING NYLIAC” section of this Prospectus. 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 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 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, Automatic Asset Rebalancing or Interest Sweep. To set up a DCA Advantage Account you must send a completed DCA Advantage Account request form in Good Order to the VPSC at one of the addresses listed in the “CONTACTING NYLIAC” 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;">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 to the Investment Divisions that you have specified to receive transfers from the DCA Advantage Account. You must specify the Investment Divisions or available Asset Allocation Model 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. You may not make transfers from the DCA Advantage Account into the Fixed Account. We do not count transfers out of the DCA Advantage Account as part of your 12 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 (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, 1/4, 1/3, 1/2 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 or Asset Allocation Model 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 entire value of the 6-month DCA Advantage Account to the Investment Divisions or Asset Allocation Model 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 in effect on the Business Day the new premium payment is received at the VPSC.</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;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Interest Sweep</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">This optional benefit, which is available at no additional cost, allows the interest earned on monies allocated to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Fixed Account to be transferred from the Fixed Account to one or any combination of Investment Divisions or an available Asset Allocation Model. You must specify the Investment Divisions and/or Asset Allocation Model, the frequency of the transfers (monthly, quarterly, semi-annually, or annually), and the day of each calendar month to make the transfers (except the 29</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;">, 30</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;">, and 31</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> of a month). NYLIAC will make all Interest Sweep transfers on the day of each calendar month you have specified or on the next Business Day (if the day you have specified is not a Business Day). To request an Interest Sweep transfer, you must send an Interest Sweep request form in Good Order to the VPSC at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus. The VPSC must receive a completed Interest Sweep request form at least five Business Days prior to the date transfers are scheduled to begin. If the VPSC does not receive a completed Interest Sweep request form within the five Business Days prior to the date you request it to begin, the transfer will begin on the day of the month you specify in the month following the receipt of your request.</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 Interest Sweep option may be utilized in addition to traditional Dollar Cost Averaging, Automatic Asset </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Rebalancing, or the DCA Advantage Account. With an Asset Allocation Model, the Interest Sweep option may be utilized with Automatic Asset Rebalancing and the DCA Advantage Account. If an Interest Sweep transfer is scheduled for the same day as a transfer related to the traditional Dollar Cost Averaging option, the Automatic Asset Rebalancing option or the DCA Advantage Account, we will process the Interest Sweep transfer first.</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 cancel the Interest Sweep option at any time. To cancel the Interest Sweep Option, you must send a </span><span style="color:#000000;font-family:Arial;font-size:10pt;">written cancellation request in Good Order to the VPSC or contact us by telephone as described in the “CONTACTING NYLIAC” section of this Prospectus. We may also cancel this option if the Fixed Account Accumulation Value is less than $2,000, or such a lower amount as we may determine.</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;">To establish a new Interest Sweep transfer after the option has been cancelled, you must send an Interest Sweep </span><span style="color:#000000;font-family:Arial;font-size:10pt;">request form in Good Order to the VPSC at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus. You may also process an Interest Sweep transfer by any other method we make available. The VPSC must receive an Interest Sweep request form in Good Order at least five Business Days prior to the date transfers are scheduled to begin. If the VPSC does not receive an Interest Sweep request form in Good Order at least five Business Days prior to the date you request it to begin, transfers will begin on the day of the month you specify in the month following the receipt of your request. Faxed and e-mailed requests are not currently accepted, however, we reserve the right to accept them at our discretion. The minimum Fixed Account Accumulation Value required to elect this option is $2,500, but this amount may be reduced at our discretion.</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/flex-iii. 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 FlexIIIProspectus@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 Fixed Account or 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;">The current expenses and performance information below reflects fees and expenses of the Portfolios but does not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">reflect the other fees and expenses that your policy 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="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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 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;">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></div> <div style="margin-left:3.75pt;margin-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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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 LLC (“NYL </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investors”) and Wellington 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 LLP (“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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-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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 Candriam 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;">Equity — Service Class</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">+</span> <div style="clear:right;"> </div></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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Candriam</span></div></div></td> <td style="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;">1.39%</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;">6.98%</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;">2.24%</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:0.0pt;">(0.17)%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">CBRE 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;">Listed Real Assets 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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Epoch Investment Partners, 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;">(“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">Utilities — 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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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-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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">0.82%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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) — </span></div> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Epoch and MacKay Shields 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;">(“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Janus Henderson Investors US 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;">(“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;">0.82%</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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 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: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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;">8.58%</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;">11.31%</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;">8.23%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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;">11.59%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">4.47%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">North America, 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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">Pacific 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;">Company LLC (“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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 Small Cap Growth — 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><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;">Brown Advisory, LLC and Segall </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bryant &amp; Hamill, LLC</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;">1.10%</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;">15.22%</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;">10.29%</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;">7.26%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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;">Money Market</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;"> / </span></div> <div style="margin-left:3.75pt;margin-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-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;">0.28%</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;">4.81%</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;">1.61%</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;">0.99%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 Growth — 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><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">+</span> <div style="clear:right;"> </div></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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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;">0.97%</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;">38.26%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.51%</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;">10.05%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;"> / </span></div> <div style="margin-left:3.75pt;margin-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;">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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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, </span></div> <div style="margin-left:3.75pt;margin-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;">0.99%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 — </span></div> <div style="margin-left: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;">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:95.66pt;"> <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 Grade </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;">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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 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;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: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;">0.98%</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;">5.89%</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:0.0pt;">(0.56)%</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;">0.12%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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;">1.07%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">4.43%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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;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;">/ Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock (Singapore) Limited </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">and 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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">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:74.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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;">Large Cap 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:223.84pt;"> <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;">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: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;">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;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-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;">0.97%</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;">19.39%</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;">13.79%</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:95.66pt;"> <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:223.84pt;"> <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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 — Commodity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Strategy Fund — Class 2</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">++</span> <div style="clear:right;"> </div></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><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;">Threadneedle 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;">1.01%</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:0.0pt;">(7.14)%</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;">9.08%</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:0.0pt;">(0.97)%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Markets 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</span></div></div></td> <td style="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:95.66pt;"> <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 Grade </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;">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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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</span></div></div></td> <td style="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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;">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;">21.67%</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;">13.39%</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;">8.40%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas Inc.</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 </span></div> <div style="margin-left:3.75pt;margin-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;">1.21%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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;font-style:italic;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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;">Large Cap 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:223.84pt;"> <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 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;"> — </span></div> <div style="margin-left: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;font-style:italic;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-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;">0.72%</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;">10.38%</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;">12.01%</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;">8.31%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;font-style:italic;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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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</span></div></div></td> <td style="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;">0.42%</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;">15.88%</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;">6.89%</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:95.66pt;"> <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 Grade </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;">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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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 — 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;"> / 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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">FMR</span><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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;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 style="margin-left:3.75pt;margin-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. (“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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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;">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: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;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-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;">0.85%</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;">13.18%</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;">N/A</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;">0.86%</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;">26.47%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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;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;">8.74%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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 Delaware VIP</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;"> 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;">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;">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:95.66pt;"> <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 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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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/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:223.84pt;"> <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;">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 — </span></div> <div style="margin-left: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: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;">MFS</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;">1.14%</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;">12.83%</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;">8.23%</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;">3.89%</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:95.66pt;"> <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:223.84pt;"> <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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-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</span></div></div></td> <td style="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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:13.0pt;text-align:left;"> <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;">0.79%</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;">4.87%</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;">0.88%</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;">0.82%</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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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: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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left: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;">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:95.66pt;"> <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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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:95.66pt;"> <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/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:223.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">The 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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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;">Large Cap 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:223.84pt;"> <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;">Voya Growth and Income Portfolio — Class S</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;">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-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;">0.92%</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;">27.06%</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;">15.90%</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;">11.02%</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:95.66pt;"> <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:223.84pt;"> <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:110.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:95.66pt;"> <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:223.84pt;"> <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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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;font-style:italic;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. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">in 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:5.5pt;position:relative;top:-3.75pt;">+</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Closed for policyowners who were not invested in the Investment Division on November 13, 2017, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 13, 2017.</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;">Closed for policyowners who were not invested in the Investment Division on November 23, 2020, and closed for other policyowners if all your Accumulation Value is removed from the Investment Division on or after November 23, 2020.</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 Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">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 </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investors”) and Wellington Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company LLP (“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;">International/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 Candriam Emerging Markets </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;">Candriam</span> 0.0139 0.0698 0.0224 -0.0017 <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 </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Listed Real Assets 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. </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“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 — 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 </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> 0.0082 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) — </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;">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 </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“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 </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Janus 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 </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">North America, 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 </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company LLC (“PIMCO”)</span> 0.0103 0.0346 0.0308 0.0201 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/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 </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;">Brown Advisory, LLC and Segall </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bryant &amp; Hamill, 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;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington Growth — 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> 0.0097 0.3826 0.1351 0.1005 <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 </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> 0.0111 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, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">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 — </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;">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 Grade </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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;">— 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/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/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 </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;">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 </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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 </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">and 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;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Commodity </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Strategy 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> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Threadneedle International Limited</span> 0.0101 -0.0714 0.0908 -0.0097 <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 </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Markets Bond Fund — Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span> 0.0100 0.1002 0.0157 0.0220 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Grade </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate </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</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 </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">B</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas Inc.</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">RREEF America </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">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 </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;">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/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;"> — </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> 0.0072 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/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 Grade </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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 </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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> 0.0063 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 </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;">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 </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><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc. (“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 </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> 0.0088 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/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/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 </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly Delaware VIP</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;"> Small Cap Value </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series) — 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 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/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 — </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;">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 </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management 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 </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers 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 </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> 0.0076 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 </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> 0.0085 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/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 </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">The 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 </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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. </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">in 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>