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2024-12-20 pure iso4217:USD utr:Y 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/premier-fpseries. You can also request this information at no cost by calling the New York Life Annuities Service Center at 800-762-6212 or by sending an email request with your name and mailing address to PremierFPProspectus@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:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you purchased the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Investment Preservation Rider, you may not be able to invest in certain Portfolios. Your available Allocation Options are listed in APPENDIX 1B.</span><span style="color:#000000;font-family:Arial;font-size:1pt;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP American Century Sustainable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investment</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management LLC (“New York Life Investments”)</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> /</span><span style="font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">24.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.46%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Balanced — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors LLC (“NYL Investors”) and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington Management Company LLP </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Wellington”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.95%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.28%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.90%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Bond — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.77%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.71%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.45%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP CBRE Global Infrastructure — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CBRE Investment Management Listed Real Assets </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.46%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(2.84)%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Conservative Allocation — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.38%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.82%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Epoch U.S. Equity Yield — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch Investment Partners, Inc. (“Epoch”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.93%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.42%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.91%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Equity Allocation — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.45%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.62%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Fidelity Institutional AM</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Utilities — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FIAM LLC (“FIAM”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1.71)%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.15%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Floating Rate — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.58%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.69%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.54%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Growth Allocation — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.96%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Hedge Multi-Strategy (formerly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP IQ Hedge Multi-Strategy) — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ Advisors LLC (“IndexIQ”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.32%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.53%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1.67)%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Income Builder — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadvisers: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch and MacKay Shields LLC (“MacKay”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.78%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.78%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.75%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Janus Henderson Balanced — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC (“Janus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Henderson”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.23%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.48%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.78%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay Convertible — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.58%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.23%</span></div></div></td></tr> <tr style="height:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond — Service Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.59%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.04%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.47%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay Strategic Bond — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.18%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.49%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay Government) — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.74%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.72%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Moderate Allocation — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.90%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Natural Resources — Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment Management North America, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC ("NIMNA")</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.79%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company LLC </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“PIMCO”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.46%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.01%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP PineStone International Equity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay International </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity) — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PineStone Asset Management Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.85%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.37%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">25.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.25%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.53%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Small Cap Growth — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadvisers: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Brown Advisory, LLC and Segall Bryant &amp; Hamill, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.29%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.26%</span></div></div></td></tr> <tr style="height:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Money Market</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP U.S. Government Money Market — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Initial Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">]</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.28%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.61%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.99%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.41%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.93%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.39%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington Small Cap — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.99%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.60%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.42%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.99%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington U.S. Equity — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">24.27%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.88%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.19%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Winslow Large Cap Growth — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Winslow Capital Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.99%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">42.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.29%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.18%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio — Class B</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.57%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.05%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Asset Allocation Fund — Class </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> (“CRMC”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.98%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS The Bond Fund of America</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">— Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.62%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.83%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Capital World Bond Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.56)%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.12%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Global Small Capitalization </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund — Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.16%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.51%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Growth Fund — Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">38.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.07%</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS New World Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.07%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.67%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.37%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.43%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS U.S. Government Securities </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.62%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.27%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.77%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.97%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.33%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.64%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Global Allocation V.I. Fund — Class III</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC (“BlackRock”)</span><span style="font-family:Arial;font-size:10pt;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;">BlackRock (Singapore) Limited and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.49%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.63%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> High Yield V.I. Fund — Class III</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.94%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.49%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.21%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon IP Technology Growth Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span><span style="font-family:Arial;font-size:10pt;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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span><span style="font-family:Arial;font-size:10pt;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:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, LLC </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">("FTFA”)</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ClearBridge Investments, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.97%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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;margin-left:0.0pt;">]</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond Fund — Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate Bond </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund — Class 2</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">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;">5.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.34%</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;">1.99%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP — Class B</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management Americas </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">RREEF America LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.21%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.67%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.63%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Bond Index Portfolio — Service Class </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company LLC (“FMR”)</span><span style="font-family:Arial;font-size:10pt;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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Portfolio — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadvisers</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">33.12%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.36%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.33%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Emerging Markets Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;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:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;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;">0.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Extended Market Index Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode Capital </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, LLC (“Geode”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP FundsManager</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 60% Portfolio — </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.71%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.17%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.61%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.26%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Growth Opportunities Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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="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: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;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.01%</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;">9.50%</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;">10.39%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP 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;margin-left:0.0pt;">: </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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Investment Grade Bond Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;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:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio — Service Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Aggressive Model Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser:</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;">Franklin Advisers, Inc. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Franklin Advisers”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.91%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.88%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.53%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.18%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Model Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Conservative Model </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series II Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc. (“Invesco”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.07%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series II Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.66%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.97%</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;">17.78%</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;">13.14%</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;">11.82%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Macquarie VIP Small Cap Value Series (formerly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Delaware 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 Series) — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">series of Macquarie Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Business Trust (a Delaware statutory trust)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.77%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company (“MFS”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.37%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.66%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust Series — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.27%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.00%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Mid Cap Value Portfolio — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.60%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.46%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research International Portfolio — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.23%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.89%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research Series — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">22.12%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.55%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Morgan Stanley VIF U.S. Real Estate Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Morgan Stanley Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.26%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class S</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment Advisers </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.69%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT 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:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.38%</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;">8.91%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.54%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT 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:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Short-Term Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.76%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.60%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Principal VC Real Estate Securities Account — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Global Investors, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Real Estate Investors, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.24%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.44%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Putnam VT International Value Fund — Class IB</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investments Limited and The </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.68%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.88%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Voya Growth and Income Portfolio — Class 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;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investments, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investment Management Co. LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">27.06%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.90%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.02%</span></div></div></td></tr> <tr style="height:98.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Western Asset Core Plus VIT Portfolio — Class II</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;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. in </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Singapore; and Western Asset Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company Ltd. in Japan</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.44%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr></table><span style="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: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> <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:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP American Century Sustainable </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investment</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management LLC (“New York Life Investments”)</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> /</span><span style="font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">24.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.46%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Balanced — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors LLC (“NYL Investors”) and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington Management Company LLP </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Wellington”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.95%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.28%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.90%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Bond — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.77%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.71%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.45%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP CBRE Global Infrastructure — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CBRE Investment Management Listed Real Assets </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.46%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(2.84)%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Conservative Allocation — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.38%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.82%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Epoch U.S. Equity Yield — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch Investment Partners, Inc. (“Epoch”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.93%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.42%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.91%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Equity Allocation — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.45%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.62%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Fidelity Institutional AM</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Utilities — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FIAM LLC (“FIAM”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1.71)%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.15%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Floating Rate — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.58%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.69%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.54%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Growth Allocation — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.96%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Hedge Multi-Strategy (formerly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP IQ Hedge Multi-Strategy) — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ Advisors LLC (“IndexIQ”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.32%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.53%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1.67)%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Income Builder — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadvisers: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch and MacKay Shields LLC (“MacKay”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.78%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.78%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.75%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Janus Henderson Balanced — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC (“Janus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Henderson”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.23%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.48%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.78%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay Convertible — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.58%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.23%</span></div></div></td></tr> <tr style="height:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond — Service Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.59%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.04%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.47%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay Strategic Bond — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.18%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.49%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay Government) — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.74%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.72%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Moderate Allocation — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.20%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.90%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Natural Resources — Initial Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment Management North America, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC ("NIMNA")</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.79%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company LLC </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“PIMCO”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.46%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.01%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP PineStone International Equity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay International </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity) — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PineStone Asset Management Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.85%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.37%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">25.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.25%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.53%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Small Cap Growth — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadvisers: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Brown Advisory, LLC and Segall Bryant &amp; Hamill, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.29%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.26%</span></div></div></td></tr> <tr style="height:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Money Market</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP U.S. Government Money Market — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Initial Class</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">]</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.28%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.61%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.99%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.41%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.93%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.39%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington Small Cap — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.99%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.60%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.42%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.99%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington U.S. Equity — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">24.27%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.88%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.19%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Winslow Large Cap Growth — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Winslow Capital Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.99%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">42.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.29%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.18%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio — Class B</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.57%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.05%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Asset Allocation Fund — Class </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> (“CRMC”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.98%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS The Bond Fund of America</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">— Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.73%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.62%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.83%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Capital World Bond Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(0.56)%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.12%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Global Small Capitalization </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund — Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.16%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.51%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Growth Fund — Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">38.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.07%</span></div></div></td></tr> <tr style="height:38.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS New World Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.07%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.67%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.37%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.43%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS U.S. Government Securities </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.62%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.27%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.77%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.97%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.33%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.64%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Global Allocation V.I. Fund — Class III</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC (“BlackRock”)</span><span style="font-family:Arial;font-size:10pt;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;">BlackRock (Singapore) Limited and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.49%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.63%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> High Yield V.I. Fund — Class III</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.94%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.49%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.21%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon IP Technology Growth Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span><span style="font-family:Arial;font-size:10pt;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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span><span style="font-family:Arial;font-size:10pt;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:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, LLC </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">("FTFA”)</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ClearBridge Investments, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.97%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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;margin-left:0.0pt;">]</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond Fund — Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <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:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate Bond </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund — Class 2</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">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;">5.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.34%</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;">1.99%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP — Class B</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management Americas </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">RREEF America LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.21%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.67%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.63%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Bond Index Portfolio — Service Class </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company LLC (“FMR”)</span><span style="font-family:Arial;font-size:10pt;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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Portfolio — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadvisers</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.81%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">33.12%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.36%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.33%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Emerging Markets Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;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:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;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;">0.72%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Extended Market Index Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode Capital </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, LLC (“Geode”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP FundsManager</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 60% Portfolio — </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left: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 style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.71%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.17%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.61%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.26%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Growth Opportunities Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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="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: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;">0.84%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.01%</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;">9.50%</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;">10.39%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP 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;margin-left:0.0pt;">: </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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Investment Grade Bond Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;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:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio — Service Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span><span style="font-family:Arial;font-size:10pt;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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Aggressive Model Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">/ Subadviser:</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;">Franklin Advisers, Inc. </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Franklin Advisers”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.91%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.88%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.53%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.18%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Model Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Conservative Model </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series II Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc. (“Invesco”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.15%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.07%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series II Shares</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.82%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.79%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.66%</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.97%</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;">17.78%</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;">13.14%</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;">11.82%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Macquarie VIP Small Cap Value Series (formerly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Delaware 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 Series) — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">series of Macquarie Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Business Trust (a Delaware statutory trust)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.08%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.10%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.87%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.77%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company (“MFS”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.37%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.31%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.66%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust Series — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.03%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.27%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.00%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Mid Cap Value Portfolio — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.39%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.60%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.46%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research International Portfolio — Service </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.23%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.89%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research Series — Service Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">22.12%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.55%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Morgan Stanley VIF U.S. Real Estate Portfolio — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Morgan Stanley Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.05%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">14.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.66%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.26%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class S</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment Advisers </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.11%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.96%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.86%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.69%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.14%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.22%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr> <tr style="height:50.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT 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:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.38%</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;">8.91%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.54%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:27.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:233.78pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Adviser/Sub–adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:64pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses*</span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:138.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/23)</span></div></div></td></tr> <tr style="height:16pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 year</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:46.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT 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:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Short-Term Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.80%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.02%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.76%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio — Advisor Class</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.83%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.60%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Principal VC Real Estate Securities Account — </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Global Investors, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Real Estate Investors, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.04%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.01%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.24%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.44%</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Putnam VT International Value Fund — Class IB</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Subadvisers: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investments Limited and The </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.13%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.68%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.70%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.88%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Voya Growth and Income Portfolio — Class 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;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investments, LLC</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> / Subadviser: </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investment Management Co. LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">27.06%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.90%</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.02%</span></div></div></td></tr> <tr style="height:98.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:85.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:233.78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Western Asset Core Plus VIT Portfolio — Class II</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Adviser: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span><span style="font-family:Arial;font-size:10pt;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. in </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Singapore; and Western Asset Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company Ltd. in Japan</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:64pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.76%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.44%</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.98%</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:46.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span></div></div></td></tr></table> <span style="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 0.0100 0.0130 0.0038 0.0142 0.0025 0.0115 <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 </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Contract Charge) and as a percentage of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Adjusted Premium Payments (Maximum Base </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Charge).</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As 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. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The range in fees and expenses is for the year ended </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">December 31, 2023 and will change from year to </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">year.</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As a percentage of average net Portfolio assets. The range in fees </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and expenses is for the year ended December 31, 2023 and will </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">change from year to year.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The minimum fee reflects the current charge for the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Annual Death Benefit Rider, as an annualized </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage of the amount guaranteed under the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">rider. The maximum fee reflects the current charge </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">for the Investment Preservation Rider - FP Series </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(10-year holding period), as an annualized </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage of the amount that is guaranteed under </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the rider.</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> The minimum fee reflects the current charge for the Annual Death </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Rider, as an annualized percentage of the amount guaranteed </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the rider. The maximum fee reflects the current charge for the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Preservation Rider - FP Series (10-year holding period), as </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">an annualized percentage of the amount that is guaranteed under the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">rider.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;vertical-align:Top;width:429.5pt;"> <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;">Because your policy is customizable, the choices you make affect how much you will pay. 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:0.0pt;">help you understand the cost of owning your policy, the following table shows the lowest 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:0.0pt;">highest cost you could 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:4pt;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 surrender charges that </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;">substantially increase costs</span><span style="font-family:Arial;font-size:10pt;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 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: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;">$1,420.17</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:184pt;"> <div style="line-height:13.0pt;text-align:left;"> <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;">$3,246.62</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80.5pt;"> <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;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 colspan="2" 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:184pt;"> <div style="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 Base </span></div> <div style="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;">Contract Charges, optional benefits, </span></div> <div style="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;">and 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 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 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:9.0pt;">transfers or withdrawals</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:80.5pt;"> <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;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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Because your policy is customizable, the choices you make affect how </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">much you will pay. To help you understand the cost of owning your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy, the following table shows the lowest and highest cost you could </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you do not take withdrawals from the policy, </span><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:nowrap;"><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="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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOWEST ANNUAL COST:</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-52pt;"> </span></div></div></td></tr> <tr style="height: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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Least expensive combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Base Contract Charges and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Portfolio fees and expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No optional benefits</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Most expensive combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Base Contract Charges, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">optional benefits, and Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">fees and expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> 1420.17 3246.62 <span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">ANNUAL CHARGES FOR THE IPR</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:14pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The current charge for the IPR for policies with an application signed on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024 is as follows:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed under the IPR, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="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:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">1.10</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">1.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.80</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.70</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">IPR </span><span style="font-family:Arial;font-size:11pt;font-weight:bold;">GUARANTEE PERCENTAGES</span><span style="font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The IPR Guarantee Percentages currently applicable for determining the Guaranteed Amount under IPR for policies with an application signed on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024 are:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:18.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Holding Period</span></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;">Percentage</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">90%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">150%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">ANNUAL CHARGES FOR IPR RESET ELECTIONS</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Current charges for IPR Reset elections with a Rider Reset Effective Date on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR if you elect an IPR Reset (Policies applied for prior to </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">May 1, 2019</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">)</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;">(calculated as an annualized percentage of the amount that is guaranteed under the IPR, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="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:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">1.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.80</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.70</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.60</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:51.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR if you elect an IPR Reset (Policies applied for on or after May 1, </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;font-weight:bold;margin-left:0.0pt;">2019)</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;">(calculated as an annualized percentage of the amount that is guaranteed under the IPR, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="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:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">1.10</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">1.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.80</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.70</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size: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:498.43pt;"> <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:78.43pt;"> <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:-39.22pt;"> </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:78.43pt;"> <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-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Top;width:78.43pt;"> <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></div></div></td> <td style="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: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: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;">1.20</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: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 for the initial </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;">premium)</span></div></div></td> <td style="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;">1.20</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: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 for the initial </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;">premium)</span></div></div></td> <td style="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 for the initial </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;">premium)</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;">1.30</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: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 for the initial </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;">premium)</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: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;">1.00</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 for 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;">initial premium)</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;">1.00</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 for 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;">initial premium)</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;">1.10</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 for 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;">initial premium)</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;">1.10</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 for 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;">initial premium)</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 $100,000 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:10pt;font-style:italic;font-weight:bold;">HISTORICAL CHARGES AND VALUES FOR CERTAIN OPTIONAL BENEFITS</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charges for Investment Preservation Rider – FP Series (“IPR”) for policies with an application signed before </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">May 1, 2019</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">are as follows:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the IPR, deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="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</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;">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;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="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;">1.15</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="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;">1.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;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;">1.50</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;">0.85</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;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;">1.50</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;">0.70</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;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;">1.50</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;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.50</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;">0.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.50</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;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charges for Investment Preservation Rider – FP Series (“IPR”) for policies with an application signed on or after </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">May 1, 2019</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;"> and on or before </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">April 30, 2024</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">, are as follows:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the IPR, deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.10</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.90</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The following applies for elections of an IPR Reset with the Rider Reset Effective Date on or before April</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">30, 2024:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the IPR, deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.10</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.90</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The percentages applicable for determining the Guaranteed Amount under IPR for policies with an application signed on or before April 30, 2023 are:</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:30.5pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:522.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;text-transform:uppercase;">IPR GUARANTEE Percentages</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Percentage</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">150%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The percentages applicable for determining the Guaranteed Amount under IPR for policies with an application signed on or after May 1, 2023 and on or before April</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">30, 2024 are:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:30.5pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:522.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;text-transform:uppercase;">IPR GUARANTEE Percentages</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Percentage</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">90%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">150%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">ANNUAL CHARGES FOR THE IPR</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:14pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The current charge for the IPR for policies with an application signed on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024 is as follows:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed under the IPR, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="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:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">1.10</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">1.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.80</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.70</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">IPR </span><span style="font-family:Arial;font-size:11pt;font-weight:bold;">GUARANTEE PERCENTAGES</span><span style="font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The IPR Guarantee Percentages currently applicable for determining the Guaranteed Amount under IPR for policies with an application signed on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024 are:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:18.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Holding Period</span></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;">Percentage</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">90%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">150%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">ANNUAL CHARGES FOR IPR RESET ELECTIONS</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Current charges for IPR Reset elections with a Rider Reset Effective Date on or after May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR if you elect an IPR Reset (Policies applied for prior to </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">May 1, 2019</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">)</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;">(calculated as an annualized percentage of the amount that is guaranteed under the IPR, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="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:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">1.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.80</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.70</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.60</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:51.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:430.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR if you elect an IPR Reset (Policies applied for on or after May 1, </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;font-weight:bold;margin-left:0.0pt;">2019)</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;">(calculated as an annualized percentage of the amount that is guaranteed under the IPR, </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="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:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">1.10</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">1.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.80</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.70</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:430.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size: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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;">Free Amount that you may withdraw each Policy Year.</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: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:184.5pt;"> <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;">Payment 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;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:0.0pt;">8+</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:184.5pt;"> <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;">8.00</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;">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="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;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">0</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Payments Returned for Insufficient Funds</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">20</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:498.43pt;"> <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:78.43pt;"> <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:-39.22pt;"> </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:78.43pt;"> <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-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Top;width:78.43pt;"> <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></div></div></td> <td style="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: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: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;">1.20</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: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 for the initial </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;">premium)</span></div></div></td> <td style="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;">1.20</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: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 for the initial </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;">premium)</span></div></div></td> <td style="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 for the initial </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;">premium)</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;">1.30</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: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 for the initial </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;">premium)</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: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;">1.00</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 for 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;">initial premium)</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;">1.00</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 for 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;">initial premium)</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;">1.10</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 for 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;">initial premium)</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;">1.10</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 for 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;">initial premium)</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 $100,000 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:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">The following table applies to Optional Benefits currently available for purchase:</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 colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="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: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;">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="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;">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 rowspan="8" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:202.5pt;"> <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;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the amount that is guaranteed under the </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR, deducted on a quarterly basis)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">7 Year Holding Period*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td> <td rowspan="8" style="padding-bottom: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;">See Rate Sheet </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;">Prospectus </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;">Supplement for </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;">Current Charges</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <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;">20 Year Holding Period</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.50</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></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:18.5pt;"> <td rowspan="8" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:202.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge if you elect an IPR Reset </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with a Rider Reset Effective Date on or </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">May 1, 2024</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">**</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the amount that is guaranteed under the </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;">IPR, deducted on a quarterly basis)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">7 Year Holding Period*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td rowspan="8" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">See Rate Sheet </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Prospectus </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Supplement for </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Current Charges</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">20 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:86.5pt;"> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Death Benefit Reset Rider (ADBR) Charge</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the ADBR Reset Value as of </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the last Policy Anniversary (or as of the Policy Date if within the first Policy </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Year), deducted on a quarterly basis; 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="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="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="font-family:Arial;font-size:10pt;">1.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.25</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">* The 7 Year Holding Period is only available with applications signed on or after November 13, 2023.</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;">** For Annual Charges for IPR resets elected with a Rider Reset Effective Date prior to May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024, see APPENDIX 3.</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;">The following table applies to Optional Benefits that are no longer available for purchase:</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 colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">IPR (Policies applied for before </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">May 1, 2019</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;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Guaranteed</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td rowspan="7" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:202.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the amount that is guaranteed under the </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;">IPR, deducted on a quarterly basis)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.15</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">20 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height: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:Middle;width:202.5pt;"> <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;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:Middle;width:138pt;"> <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;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Guaranteed</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td rowspan="7" style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:202.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge if you elect an IPR Reset </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with a Rider Reset Effective Date on or </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">May 1, 2024</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">*</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the amount that is guaranteed under the </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;">IPR, deducted on a quarterly basis)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td rowspan="7" style="padding-bottom:5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">See Rate Sheet </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Prospectus </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Supplement for </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">Current Charges</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:138pt;"> <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;">20 Year Holding Period</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;font-weight:bold;">* For Annual Charges for IPR resets with a Rider Reset Effective Date prior to May</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">1, 2024, see APPENDIX 3.</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;">The next table shows the minimum and maximum total operating expenses charged by the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolios that you may pay periodically during the time that you own the policy. The expenses may be higher or lower in the future. A complete list of Portfolios available under the policy, including their annual expenses, may be found in APPENDIX 1A.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:18.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from the Portfolio assets, including </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses.</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span><div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Before fee waivers and expense reimbursements</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.42%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">After fee waivers and expense reimbursements</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.28%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.38%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:9pt;">1</span><span style="font-family:Arial;font-size:9pt;">Shown as a percentage of average net assets for the fiscal year ended December 31, 2023.</span><span style="font-family:Arial;font-size:9pt;">2</span><span style="font-family:Arial;font-size:9pt;">Fee waivers and expense reimbursements are expected to continue through April 30, 2025 and may be terminated at any time thereafter at the option of the Portfolio company.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">HISTORICAL CHARGES AND VALUES FOR CERTAIN OPTIONAL BENEFITS</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charges for Investment Preservation Rider – FP Series (“IPR”) for policies with an application signed before </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">May 1, 2019</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">are as follows:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the IPR, deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="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</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;">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;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="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;">1.15</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="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;">1.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;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;">1.50</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;">0.85</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;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;">1.50</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;">0.70</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;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;">1.50</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;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.50</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;">0.50</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">1.50</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;">0.60</span><span style="color:#000000;font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charges for Investment Preservation Rider – FP Series (“IPR”) for policies with an application signed on or after </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">May 1, 2019</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;"> and on or before </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">April 30, 2024</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">, are as follows:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the IPR, deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.10</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.90</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The following applies for elections of an IPR Reset with the Rider Reset Effective Date on or before April</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">30, 2024:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:40.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Charge for IPR</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(calculated as an annualized percentage of the amount that is guaranteed </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the IPR, deducted on a quarterly basis)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Charge</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.10</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width: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;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.00</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.90</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.80</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.50</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60</span><span style="font-family:Arial;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The percentages applicable for determining the Guaranteed Amount under IPR for policies with an application signed on or before April 30, 2023 are:</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:30.5pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:522.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;text-transform:uppercase;">IPR GUARANTEE Percentages</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Percentage</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">100%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">150%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The percentages applicable for determining the Guaranteed Amount under IPR for policies with an application signed on or after May 1, 2023 and on or before April</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">30, 2024 are:</span><span style="font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:30.5pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:522.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;text-transform:uppercase;">IPR GUARANTEE Percentages</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Percentage</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">7 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">90%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">11 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">105%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">12 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">13 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">14 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15 Year Holding Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">110%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:382.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">20 Year Holding Period</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">150%</span></div></div></td></tr></table> 0.0110 0.0100 0.0090 0.0080 0.0070 0.0060 0.0050 0.0060 2019-05-01 0.0100 0.0090 0.0080 0.0070 0.0060 0.0050 0.0060 0.0110 0.0100 0.0090 0.0080 0.0070 0.0060 0.0050 0.0060 <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:91pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If you withdraw more than the Surrender Charge Free Amount within </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7</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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">years following your last premium payment, 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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender charge. The maximum surrender charge is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">8</span><span style="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">withdrawn during the first Payment Year 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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">seven-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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the first Payment Year, 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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">8,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on a $100,000 investment.</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 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;">Surrender 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:67pt;"> <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. Although we do not </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">currently charge for such transactions, we reserve the right to charge </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">up to $30 per transaction.</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;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, 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:30.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">MINIMUM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">MAXIMUM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base contract</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.00</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;">1.30</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:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See Rate Sheet </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Supplement</span></div></div></td> <td style="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:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See Rate Sheet </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Supplement</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:167.5pt;"> <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;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;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;"> The minimum fee reflects the current charge for the Annual Death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Rider, as an annualized percentage of the amount guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the rider. The maximum fee reflects the current charge for 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;">Investment Preservation Rider - FP Series (10-year holding period), as </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">an annualized percentage of the amount that is guaranteed under 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;">rider.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width: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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Because your policy is customizable, the choices you make affect how </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">much you will pay. To help you understand the cost of owning your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy, the following table shows the lowest and highest cost you could </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you do not take withdrawals from the policy, </span><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:nowrap;"><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="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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOWEST ANNUAL COST:</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-52pt;"> </span></div></div></td></tr> <tr style="height: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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Least expensive combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Base Contract Charges and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Portfolio fees and expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No optional benefits</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Most expensive combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Base Contract Charges, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">optional benefits, and Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">fees and expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:91pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If you withdraw more than the Surrender Charge Free Amount within </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7</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:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">years following your last premium payment, 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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender charge. The maximum surrender charge is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">8</span><span style="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">withdrawn during the first Payment Year 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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">seven-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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the first Payment Year, 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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">8,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on a $100,000 investment.</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 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;">Surrender Charges</span></div></div></td></tr></table> 7 0.08 8000 <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:67pt;"> <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. Although we do not </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">currently charge for such transactions, we reserve the right to charge </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">up to $30 per transaction.</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;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, 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:30.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">MINIMUM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">MAXIMUM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base contract</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:80pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.00</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;">1.30</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:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See Rate Sheet </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Supplement</span></div></div></td> <td style="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:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See Rate Sheet </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Supplement</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:167.5pt;"> <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;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;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;"> The minimum fee reflects the current charge for the Annual Death </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Rider, as an annualized percentage of the amount guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the rider. The maximum fee reflects the current charge for 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;">Investment Preservation Rider - FP Series (10-year holding period), as </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">an annualized percentage of the amount that is guaranteed under 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;">rider.</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width: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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Because your policy is customizable, the choices you make affect how </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">much you will pay. To help you understand the cost of owning your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy, the following table shows the lowest and highest cost you could </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate assumes that </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">you do not take withdrawals from the policy, </span><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:nowrap;"><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="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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:53pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOWEST ANNUAL COST:</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">HIGHEST ANNUAL COST</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">See Rate Sheet Prospectus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Supplement</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-52pt;"> </span></div></div></td></tr> <tr style="height: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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:165pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Least expensive combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Base Contract Charges and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Portfolio fees and expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No optional benefits</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:160pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Investment of $100,000</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">5% annual appreciation</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Most expensive combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Base Contract Charges, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">optional benefits, and Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">fees and expenses</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No sales charges</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">No additional purchase </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr></table> 0.0100 0.0130 0.0038 0.0142 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:31.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:92.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:-46.5pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr> <tr style="height:19pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk of Loss</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span></div></div></td></tr> <tr style="height:115pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not a Short-Term</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender charges apply for up to 7 years following your last premium </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment. They will reduce the value of your policy if you withdraw </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">money during that time. The benefits of tax deferral and living benefit </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">protections also mean the policy is more beneficial to investors with 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;">long time horizon. If you elect the Investment Preservation Rider – FP </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series, you will not receive a benefit under the rider unless you hold the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy for at least the specified Holding Period applicable to the rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span></div></div></td></tr> <tr style="height: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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks Associated</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with Investment</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:325pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space: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;">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="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">performance and can vary depending on the performance of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">variable investment options (e.g.,</span><span style="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">(e.g., the </span><span style="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Each investment option 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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You should review the prospectuses for the available Portfolios and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the description in this prospectus of the Fixed Account and the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advantage Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> before making an investment decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span></div></div></td></tr> <tr style="height:87.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:92.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance</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;">Company</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;">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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">An investment in the policy is subject to the risks related to NYLIAC, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIAC by calling the New York Life Annuities Service Center at </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">800-762-6212.</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3.125pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this policy.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This policy is not designed for short-term investing and is not </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who readily needs access to cash. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender charges apply for up to 7 years following your last premium </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment. They will reduce the value of your policy if you withdraw </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">money during that time. The benefits of tax deferral and living benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">protections also mean the policy is more beneficial to investors with a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">long time horizon. If you elect the Investment Preservation Rider – FP </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series, you will not receive a benefit under the rider unless you hold the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy for at least the specified Holding Period applicable to the rider.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">An investment in this policy is subject to the risk of poor investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">performance and can vary depending on the performance of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">variable investment options (e.g.,</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolios) and guaranteed options </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">(e.g., the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account and DCA Advantage Account) you choose.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Each investment option has its own unique risks.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You should review the prospectuses for the available Portfolios and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the description in this prospectus of the Fixed Account and the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advantage Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> before making an investment decision.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">An investment in the policy is subject to the risks related to NYLIAC, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">including that any obligations, guarantees, and benefits of the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">are subject to the claims-paying ability of NYLIAC. If NYLIAC </span><span style="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to you. More information about NYLIAC is available upon request from </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">NYLIAC by calling the New York Life Annuities Service Center at </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">800-762-6212.</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 limit or restrict the investment options you </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may select under the policy. We may change these restrictions in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">future.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Certain optional benefits may limit withdrawals or other rights under </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Under certain benefits, a withdrawal could reduce the value of a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit by more than the dollar amount of the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You are required to have a minimum </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value for some </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">optional benefits.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">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;">The amount of death benefit available under certain optional benefits </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may vary depending on the date of death. Certain optional benefits </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may offer a lesser death benefit at issue and require that the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be held for a minimum waiting period before the greater death benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">will be payable. If you die before the end of the minimum waiting </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">period, the death benefit will be less than the greater death benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">available after the minimum waiting period. Additionally, where there </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">is a reset of certain optional benefit riders, a new minimum waiting </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">period will be required before the greater death benefit will be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payable. If you die before the end of the new minimum waiting </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">period, the death benefit may be less than the greater death benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">available after the new minimum waiting period.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Consult with a tax professional to determine the tax implications of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">an investment in, withdrawals from and surrenders of this policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left: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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your registered representative may receive compensation for selling </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">this policy to you, in the form of commissions, asset-based </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">compensation, allowances for expenses, and other compensation </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">programs. The amount of compensation will vary depending on the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">specific payment arrangements of the broker-dealer for whom your </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">registered representative works. This compensation may differ from the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">compensation paid by other companies for sales of their products.  </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Differences in compensation have the potential to influence the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">recommendation made by your registered representative or </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">broker-dealer. Your registered representative may have a financial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">incentive to offer or recommend this policy over another investment.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your registered representative may have a financial incentive to offer </span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">exchanging your policy if you determine, after comparing the features, </span><span style="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="font-family:Arial;font-size:10pt;margin-left:0.0pt;">purchase the new policy rather than continue to own your existing </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy.</span> <span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;">Free Amount that you may withdraw each Policy Year.</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: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:184.5pt;"> <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;">Payment 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;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:0.0pt;">8+</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:184.5pt;"> <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;">8.00</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;">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="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;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">0</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Payments Returned for Insufficient Funds</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Middle;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;">20</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> 0.0800 30 0 20 0 30 30 0.0120 0.0120 0.0130 0.0130 0.0100 0.0100 0.0110 0.0110 <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 $100,000 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> 0.0200 0.0200 0.0200 0.0150 0.0150 0.0150 0.0150 0.0150 2024-05-01 0.0200 0.0200 0.0200 0.0150 0.0150 0.0150 0.0150 0.0150 0.0100 0.0025 2019-05-01 0.0200 0.0115 0.0200 0.0100 0.0150 0.0085 0.0150 0.0070 0.0150 0.0060 0.0150 0.0050 0.0150 0.0060 2024-05-01 0.0200 0.0200 0.0150 0.0150 0.0150 0.0150 0.0150 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The next table shows the minimum and maximum total operating expenses charged by the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolios that you may pay periodically during the time that you own the policy. The expenses may be higher or lower in the future. A complete list of Portfolios available under the policy, including their annual expenses, may be found in APPENDIX 1A.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;text-decoration:underline;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:18.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:340.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:90pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:91.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from the Portfolio assets, including </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses.</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span><div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Before fee waivers and expense reimbursements</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.42%</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:340.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">After fee waivers and expense reimbursements</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:90pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.28%</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:91.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.38%</span></div></div></td></tr></table><span style="font-family:Arial;font-size:9pt;">1</span><span style="font-family:Arial;font-size:9pt;">Shown as a percentage of average net assets for the fiscal year ended December 31, 2023.</span><span style="font-family:Arial;font-size:9pt;">2</span><span style="font-family:Arial;font-size:9pt;">Fee waivers and expense reimbursements are expected to continue through April 30, 2025 and may be terminated at any time thereafter at the option of the Portfolio company.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from the Portfolio assets, including </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses.</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> 0.0038 0.0142 <span style="font-family:Arial;font-size:9pt;">Shown as a percentage of average net assets for the fiscal year ended December 31, 2023.</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;table-layout:auto;"> <tr style="height:16.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:296.45pt;"> <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:225.54pt;"> <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:296.45pt;"> <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: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;">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:296.45pt;"> <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: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;">$11,449.25</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;">$18,151.09</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;">$24,855.94</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;">$42,012.72</span></div></div></td></tr></table> 11449.25 18151.09 24855.94 42012.72 <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:296.45pt;"> <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: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;">$11,449.25</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;">$12,615.71</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;">$21,100.51</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;">$42,012.72</span></div></div></td></tr></table> 11449.25 12615.71 21100.51 42012.72 <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:296.45pt;"> <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: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;">$4,191.00</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;">$12,615.71</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;">$21,100.51</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;">$42,012.72</span></div></div></td></tr></table> 4191.00 12615.71 21100.51 42012.72 <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="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Poor Investment Performance.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can lose money by investing in this policy, including loss of principal. An investment in this policy is subject to the risk of poor investment performance and can vary depending on the performance of the Allocation Options 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 Portfolios’ 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/premier-fpseries. You can also request this information at no cost by calling the New York Life Annuities Service Center at (800) 762-6212 or by sending an email request with your name and mailing address to PremierFPProspectus@newyorklife.com. You should review the prospectuses for the available Portfolios before making an investment decision.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Liquidity Risk.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Surrender charges apply for up to seven years after your last premium payment. 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="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Conditions to Policy Benefits.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Certain benefits under the policy are contingent on several conditions being met. If those conditions are not met you may not realize a benefit from the policy or the optional benefits for which you have been charged a fee. For example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may need to take early or excess withdrawals which have the potential to substantially reduce 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 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 IPR requires that you hold the policy for a certain number of years (the Holding Period) in order to receive an adjustment to your Accumulation Value, if applicable. If you surrender your policy before the Holding Period is over, you will not receive a benefit under the rider. If you take withdrawals during the Holding Period, the benefit provided by the IPR will be reduced proportionally by any withdrawals you make during the Holding Period. If your Accumulation Value is less than amount guaranteed by the IPR at the time the withdrawal is requested, the reduction in your guaranteed amount will be greater than the dollar amount withdrawn. Accordingly, under certain circumstances, a withdrawal could reduce the value of a benefit by more than the dollar amount of the withdrawal. In addition, you will only be allowed to allocate your premium payments to certain Allocation Options and the DCA Advantage Account, or you will be limited in the amount you can allocate to the Investment Divisions (based on certain thresholds for Asset Allocation Categories).</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit that is payable under the IPR may require that you hold the policy for a certain period of time before the IPR Death Benefit that is payable equals the Guaranteed Amount under the IPR. If you die prior to the end of that required waiting period, the IPR Death Benefit will be equal to your first policy year premiums less any proportional withdrawals. Additionally, if you elect an IPR Reset, a new waiting period will begin before the Guaranteed Amount is payable as the IPR Death Benefit. If you die prior to the end of the new applicable waiting period, the IPR Death Benefit will be equal to the Accumulation Value as of the Rider Reset Effective Date less any proportional withdrawals. (See DESCRIPTION OF BENEFITS – Investment Preservation Rider – FP Series for more information on IPR Death Benefit calculations.)</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;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. Other variable annuity policies, with features not available under this policy, are offered by NYLIAC through other broker-dealers. In addition, some optional features of the policy may not be available when purchased through certain broker-dealers. Ask your registered representative for more information. If a particular optional feature that interests you is not available through your broker-dealer, you may want to contact another broker-dealer to explore its availability.</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;">There are restrictions that may limit the investments that you may choose if you choose the IPR. Amounts invested in accordance with those restrictions may earn a return that is less than the return you might have earned on those amounts in other Investment Divisions had you not been subject to any investment restrictions.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We reserve the right to limit transfers, and we reserve the right to charge $30 for each transfer when you transfer </span><span style="color:#000000;font-family:Arial;font-size:10pt;">money to or from the Investment Divisions 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 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">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 New York Life Annuities Service Center at 1-800-762-6212.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risks Affecting our Administration of Your Policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLIAC’s business activity and operations, and/or the activities and operations of our service providers and business partners, are subject to certain risks, including, those resulting from information systems failures, cyberattack/ransomware, or current or future outbreaks of infectious diseases, viruses (including COVID-19), epidemics or pandemics (“serious infectious disease outbreaks”). These risks are common to all insurers and financial service providers and may materially impact our ability to administer the policy (and to keep policyowner information confidential). (See the SAI “ADDITIONAL INFORMATION ABOUT RISKS (Non-Principal Risks)” for more information.)</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Poor Investment Performance.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can lose money by investing in this policy, including loss of principal. An investment in this policy is subject to the risk of poor investment performance and can vary depending on the performance of the Allocation Options 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 Portfolios’ 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/premier-fpseries. You can also request this information at no cost by calling the New York Life Annuities Service Center at (800) 762-6212 or by sending an email request with your name and mailing address to PremierFPProspectus@newyorklife.com. You should review the prospectuses for the available Portfolios before making an investment decision.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Liquidity Risk.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This policy is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Surrender charges apply for up to seven years after your last premium payment. 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="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Conditions to Policy Benefits.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Certain benefits under the policy are contingent on several conditions being met. If those conditions are not met you may not realize a benefit from the policy or the optional benefits for which you have been charged a fee. For example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may need to take early or excess withdrawals which have the potential to substantially reduce 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 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 IPR requires that you hold the policy for a certain number of years (the Holding Period) in order to receive an adjustment to your Accumulation Value, if applicable. If you surrender your policy before the Holding Period is over, you will not receive a benefit under the rider. If you take withdrawals during the Holding Period, the benefit provided by the IPR will be reduced proportionally by any withdrawals you make during the Holding Period. If your Accumulation Value is less than amount guaranteed by the IPR at the time the withdrawal is requested, the reduction in your guaranteed amount will be greater than the dollar amount withdrawn. Accordingly, under certain circumstances, a withdrawal could reduce the value of a benefit by more than the dollar amount of the withdrawal. In addition, you will only be allowed to allocate your premium payments to certain Allocation Options and the DCA Advantage Account, or you will be limited in the amount you can allocate to the Investment Divisions (based on certain thresholds for Asset Allocation Categories).</span><span style="color:#000000;font-family:Arial;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit that is payable under the IPR may require that you hold the policy for a certain period of time before the IPR Death Benefit that is payable equals the Guaranteed Amount under the IPR. If you die prior to the end of that required waiting period, the IPR Death Benefit will be equal to your first policy year premiums less any proportional withdrawals. Additionally, if you elect an IPR Reset, a new waiting period will begin before the Guaranteed Amount is payable as the IPR Death Benefit. If you die prior to the end of the new applicable waiting period, the IPR Death Benefit will be equal to the Accumulation Value as of the Rider Reset Effective Date less any proportional withdrawals. (See DESCRIPTION OF BENEFITS – Investment Preservation Rider – FP Series for more information on IPR Death Benefit calculations.)</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;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. Other variable annuity policies, with features not available under this policy, are offered by NYLIAC through other broker-dealers. In addition, some optional features of the policy may not be available when purchased through certain broker-dealers. Ask your registered representative for more information. If a particular optional feature that interests you is not available through your broker-dealer, you may want to contact another broker-dealer to explore its availability.</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;">There are restrictions that may limit the investments that you may choose if you choose the IPR. Amounts invested in accordance with those restrictions may earn a return that is less than the return you might have earned on those amounts in other Investment Divisions had you not been subject to any investment restrictions.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We reserve the right to limit transfers, and we reserve the right to charge $30 for each transfer when you transfer </span><span style="color:#000000;font-family:Arial;font-size:10pt;">money to or from the Investment Divisions 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 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">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 New York Life Annuities Service Center at 1-800-762-6212.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risks Affecting our Administration of Your Policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">NYLIAC’s business activity and operations, and/or the activities and operations of our service providers and business partners, are subject to certain risks, including, those resulting from information systems failures, cyberattack/ransomware, or current or future outbreaks of infectious diseases, viruses (including COVID-19), epidemics or pandemics (“serious infectious disease outbreaks”). These risks are common to all insurers and financial service providers and may materially impact our ability to administer the policy (and to keep policyowner information confidential). (See the SAI “ADDITIONAL INFORMATION ABOUT RISKS (Non-Principal Risks)” for more information.)</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;margin-left:0%;text-transform:uppercase;">Benefits Available Under The Policies</span> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;text-align:left;top:12pt;width:522pt;"/><span style="color:#000000;font-family:Arial;font-size:10pt;">The following tables summarize information about the benefits available under the policy.</span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">STANDARD DEATH BENEFIT</span> <br/><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;">(automatically included with the policy)</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:242.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height: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;">For policy owners who are </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">age 80 or younger when the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy is issued, the Standard </span></div> <div style="margin-left:3.75pt;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 guarantees </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that your beneficiaries will </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receive the greater of: (i) 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; (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) for policies </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">applied for 5/1/2020 and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">after, the Step–up 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. For policy owners </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">age 81 to 85 when 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;">is issued, the Standard </span></div> <div style="margin-left:3.75pt;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 guarantees </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that your beneficiaries will </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receive the greater of: (i) 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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) the Return of Premium </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:230.5pt;"> <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 85.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">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></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:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">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:554.5pt;"> <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;">Investment </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;">Preservation Rider </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;">– FP Series 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;">A death benefit that is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">available if you purchase the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The IPR guarantees that </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your beneficiaries will receive </span></div> <div style="margin-left:3.75pt;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 greater of: (i) the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard Death Benefit; </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) any death benefit </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">available under any other </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">rider attached to your policy; </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">or (iii) the IPR Death Benefit.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Maximum Charge: </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(as an annualized </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage of the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that is guaranteed)</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">of application.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The IPR Death Benefit that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">is payable under the IPR </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may require that the Owner </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">hold the policy for a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">minimum waiting period </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">before the IPR Death </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Benefit equals the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Guaranteed Amount under </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the IPR. If the Owner dies </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">prior to the end of that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">required waiting period, the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">IPR Death Benefit will be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">equal to the first policy year </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">premiums less any </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">proportional withdrawals. </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">(See DESCRIPTION OF </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">BENEFITS – Investment </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Preservation Rider – FP </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Series for more information </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on IPR Death Benefit </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">calculations.)</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Similarly, if an IPR Reset is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">elected, a new waiting </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">period, as applicable, will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">begin before the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Guaranteed Amount is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payable as the IPR Death </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Benefit. If the Owner dies </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">prior to the end of the new </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applicable waiting period, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the IPR Death Benefit will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be equal to the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value as of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Rider Reset Effective </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Date less any proportional </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only payable if the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Owner’s spouse does not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">elect to continue the policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">pursuant to its spousal </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">continuance option. If the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Owner’s spouse elects to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">continue the policy, the IPR </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">will continue and the IPR </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:170.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Death Benefit will not be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">paid.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">See the next table </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">“OPTIONAL LIVING </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">BENEFITS AVAILABLE </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">FOR A FEE—IPR FP </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Series” for more </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">information about the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">restrictions and limitations </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applicable to the IPR.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Not available in certain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">jurisdictions. See </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">APPENDIX 2 – State </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Variations.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0%;">OPTIONAL LIVING 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 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:386.5pt;"> <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;">Investment </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;">Preservation Rider </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;">– FP Series</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;">Protects your investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">from loss for a specified </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Holding Period. If, after 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;">specified Holding Period, </span></div> <div style="margin-left:3.75pt;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 Accumulation Value is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">less than the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed, we will make a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">one-time increase to your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value to make </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">it equal to the guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="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;">You may request to reset the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed amount (an IPR </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Reset) under certain </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">circumstances.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="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;">In most jurisdictions, includes </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">an IPR Death Benefit which </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">is payable upon the death of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Owner if the Owner dies </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">before the end of the Holding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Maximum Charge: </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(as an annualized </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage of the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that is guaranteed)</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">of application.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You should not select this </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">rider unless you intend to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">keep the policy for at least </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">as long as the Holding </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Period you’ve selected.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The rider is irrevocable, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and cannot be cancelled </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">after a 30 day right to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">examine period.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="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;">Provides no benefit if you </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">surrender the policy before </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the end of the Holding </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Period.</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;">Restricts the availability of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">certain investment options. </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">See APPENDIX 1B and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">1C.</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;">Premium payments are </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">only permitted (a) in the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">first Policy Year or (b) after </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">a specified Holding Period.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="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 greater than 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;">actual 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;">An IPR Reset starts a new </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Holding Period. New </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">annual charges may apply </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">after you elect an IPR </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 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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Reset.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="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;">IPR Reset rights may be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">suspended or discontinued </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and are subject to age </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">limits.</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:410.5pt;"> <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 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;">Unemployment </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;">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;">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 style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Accumulation 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;">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 style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and have a minimum </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$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: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;">Qualifying Event (as </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><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:nowrap;"><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:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Not available if any Owner </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">has attained age 86 on 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 Date.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">For the Disability portion of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the rider, any withdrawal </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges may apply.</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;">A determination letter from </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><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:nowrap;"><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:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">unemployment 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;">Unemployment must be for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><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:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">days.</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;">If the Owner(s) is not a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">natural person, all </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">restrictions and benefits of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the rider are based on 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;">Annuitant.</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;">Rider benefits and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">requirements to qualify for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the rider benefits may not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be the same in all </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">jurisdictions.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Automatic Asset </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically rebalances </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Variable Accumulation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value(either quarterly, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">semi–annually, or annually) </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to maintain the percentage </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocated to each Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Division at a pre–set level.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align: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="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">traditional </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar Cost </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> option.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a minimum of $2,500 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue it as scheduled.</span></div></div></td></tr> <tr style="height:173pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional Dollar </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cost Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">specific amount of money </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">from any Investment Division </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to any combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left: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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">intervals.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align: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="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing option, or with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">IPR</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right: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;">For premium based M&amp;E </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Charge policies, amounts </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size: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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a minimum of $2,000 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue as scheduled.</span></div></div></td></tr> <tr style="height:350.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The DCA </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Advantage Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to set up </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic dollar cost </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">averaging using the DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account when 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;">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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment is made. The DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account transfers </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amounts automatically to the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions you </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">choose in six monthly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">increments and pays you </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest on amounts </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">remaining in the DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height: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;">DCA Advantage Account </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">duration may not extend </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">beyond the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Annuity </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Commencement Date</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not have more </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">than one DCA Advantage </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account open at the same </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">time.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must allocate a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">minimum of $2,000 to the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">DCA Advantage Account; </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">any premium payment less </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">than $2,000 will be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">allocated directly to the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Investment Divisions in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">accordance with the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">instructions we have on </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">file.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the DCA Advantage </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account from any </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Allocation Option.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The annual effective </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">interest rate for the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advantage Account shown </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Data Page</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applies only to your initial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">premium payment. Interest </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">rates applied to </span></div></div></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:137pt;"> <td style="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;">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 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:98.5pt;"> <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 be transferred to </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;">one or any combination 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;">Investment 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;">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:242.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height: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;">For policy owners who are </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">age 80 or younger when the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy is issued, the Standard </span></div> <div style="margin-left:3.75pt;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 guarantees </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that your beneficiaries will </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receive the greater of: (i) 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; (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) for policies </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">applied for 5/1/2020 and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">after, the Step–up 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. For policy owners </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">age 81 to 85 when 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;">is issued, the Standard </span></div> <div style="margin-left:3.75pt;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 guarantees </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that your beneficiaries will </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receive the greater of: (i) 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 </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) the Return of Premium </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:230.5pt;"> <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 85.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">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></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:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">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:554.5pt;"> <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;">Investment </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;">Preservation Rider </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;">– FP Series 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;">A death benefit that is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">available if you purchase the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The IPR guarantees that </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your beneficiaries will receive </span></div> <div style="margin-left:3.75pt;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 greater of: (i) the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard Death Benefit; </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) any death benefit </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">available under any other </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">rider attached to your policy; </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">or (iii) the IPR Death Benefit.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Maximum Charge: </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(as an annualized </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage of the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that is guaranteed)</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">of application.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The IPR Death Benefit that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">is payable under the IPR </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">may require that the Owner </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">hold the policy for a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">minimum waiting period </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">before the IPR Death </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Benefit equals the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Guaranteed Amount under </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the IPR. If the Owner dies </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">prior to the end of that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">required waiting period, the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">IPR Death Benefit will be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">equal to the first policy year </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">premiums less any </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">proportional withdrawals. </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">(See DESCRIPTION OF </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">BENEFITS – Investment </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Preservation Rider – FP </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Series for more information </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on IPR Death Benefit </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">calculations.)</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Similarly, if an IPR Reset is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">elected, a new waiting </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">period, as applicable, will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">begin before the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Guaranteed Amount is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">payable as the IPR Death </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Benefit. If the Owner dies </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">prior to the end of the new </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applicable waiting period, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the IPR Death Benefit will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be equal to the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value as of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Rider Reset Effective </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Date less any proportional </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">withdrawals.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only payable if the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Owner’s spouse does not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">elect to continue the policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">pursuant to its spousal </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">continuance option. If the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Owner’s spouse elects to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">continue the policy, the IPR </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">will continue and the IPR </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:170.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Death Benefit will not be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">paid.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">See the next table </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">“OPTIONAL LIVING </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">BENEFITS AVAILABLE </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">FOR A FEE—IPR FP </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Series” for more </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">information about the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">restrictions and limitations </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applicable to the IPR.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Not available in certain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">jurisdictions. See </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">APPENDIX 2 – State </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Variations.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="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:386.5pt;"> <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;">Investment </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;">Preservation Rider </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;">– FP Series</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;">Protects your investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">from loss for a specified </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Holding Period. If, after 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;">specified Holding Period, </span></div> <div style="margin-left:3.75pt;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 Accumulation Value is </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">less than the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed, we will make a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">one-time increase to your </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value to make </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">it equal to the guaranteed </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="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;">You may request to reset the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed amount (an IPR </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Reset) under certain </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">circumstances.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="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;">In most jurisdictions, includes </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">an IPR Death Benefit which </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">is payable upon the death of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Owner if the Owner dies </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">before the end of the Holding </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Maximum Charge: </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(as an annualized </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage of the amount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that is guaranteed)</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Only available at the time </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">of application.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You should not select this </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">rider unless you intend to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">keep the policy for at least </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">as long as the Holding </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Period you’ve selected.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The rider is irrevocable, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and cannot be cancelled </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">after a 30 day right to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">examine period.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="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;">Provides no benefit if you </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">surrender the policy before </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the end of the Holding </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Period.</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;">Restricts the availability of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">certain investment options. </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">See APPENDIX 1B and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">1C.</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;">Premium payments are </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">only permitted (a) in the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">first Policy Year or (b) after </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">a specified Holding Period.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="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 greater than 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;">actual 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;">An IPR Reset starts a new </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Holding Period. New </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">annual charges may apply </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">after you elect an IPR </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 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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Reset.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="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;">IPR Reset rights may be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">suspended or discontinued </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and are subject to age </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">limits.</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:410.5pt;"> <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 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;">Unemployment </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;">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;">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 style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Accumulation 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;">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 style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and have a minimum </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$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: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;">Qualifying Event (as </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><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:nowrap;"><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:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Not available if any Owner </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">has attained age 86 on 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 Date.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">For the Disability portion of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the rider, any withdrawal </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><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:nowrap;"><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:nowrap;"><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:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges may apply.</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;">A determination letter from </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><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:nowrap;"><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:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">unemployment 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;">Unemployment must be for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><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:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">days.</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;">If the Owner(s) is not a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">natural person, all </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">restrictions and benefits of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the rider are based on 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;">Annuitant.</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;">Rider benefits and </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">requirements to qualify for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the rider benefits may not </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be the same in all </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">jurisdictions.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Automatic Asset </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically rebalances </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Variable Accumulation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value(either quarterly, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">semi–annually, or annually) </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to maintain the percentage </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocated to each Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Division at a pre–set level.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align: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="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">traditional </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar Cost </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> option.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a minimum of $2,500 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue it as scheduled.</span></div></div></td></tr> <tr style="height:173pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional Dollar </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cost Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">specific amount of money </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">from any Investment Division </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to any combination of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left: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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">intervals.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align: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="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing option, or with </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">IPR</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right: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;">For premium based M&amp;E </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Charge policies, amounts </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size: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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a minimum of $2,000 </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue as scheduled.</span></div></div></td></tr> <tr style="height:350.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The DCA </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Advantage Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to set up </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic dollar cost </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">averaging using the DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account when 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;">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="color:#000000;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="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment is made. The DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account transfers </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amounts automatically to the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions you </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">choose in six monthly </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">increments and pays you </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest on amounts </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">remaining in the DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height: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;">DCA Advantage Account </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">duration may not extend </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">beyond the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Annuity </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Commencement Date</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You may not have more </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">than one DCA Advantage </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account open at the same </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">time.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must allocate a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">minimum of $2,000 to the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">DCA Advantage Account; </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">any premium payment less </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">than $2,000 will be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">allocated directly to the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Investment Divisions in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">accordance with the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">instructions we have on </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">file.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You cannot make transfers </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">into the DCA Advantage </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Account from any </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Allocation Option.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">The annual effective </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">interest rate for the DCA </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Advantage Account shown </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">on your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Data Page</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applies only to your initial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">premium payment. Interest </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">rates applied to </span></div></div></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:137pt;"> <td style="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;">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 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">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:98.5pt;"> <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 be transferred to </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;">one or any combination 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;">Investment 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;">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;">For policy owners who are </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">age 80 or younger when the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy is issued, the Standard </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit guarantees </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that your beneficiaries will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receive the greater of: (i) your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value; (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) for policies </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">applied for 5/1/2020 and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">after, the Step–up Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit. For policy owners </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">age 81 to 85 when the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">is issued, the Standard </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit guarantees </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that your beneficiaries will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receive the greater of: (i) your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) the Return of Premium </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For policy owners who are </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">age 80 or younger when the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy is issued, the Standard </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit guarantees </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that your beneficiaries will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receive the greater of: (i) your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value; (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) for policies </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">applied for 5/1/2020 and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">after, the Step–up Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit. For policy owners </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">age 81 to 85 when the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">is issued, the Standard </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit guarantees </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that your beneficiaries will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">receive the greater of: (i) your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) the Return of Premium </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 <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:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">policy.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Preservation Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">– FP Series 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;">A death benefit that is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">available if you purchase the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">IPR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The IPR guarantees that </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your beneficiaries will receive </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the greater of: (i) the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard Death Benefit; </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) any death benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">available under any other </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">rider attached to your policy; </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">or (iii) the IPR Death Benefit.</span> 0.0200 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:522pt;"> <tr style="height:39.5pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:104.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">PURPOSE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">MAXIMUM FEE</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Middle;width:139.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">BRIEF DESCRIPTION OF</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">RESTRICTIONS/</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">LIMITATIONS</span></div></div></td></tr> <tr style="height:170.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Death Benefit will not be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">paid.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">See the next table </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">“OPTIONAL LIVING </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">BENEFITS AVAILABLE </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">FOR A FEE—IPR FP </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Series” for more </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">information about the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">restrictions and limitations </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applicable to the IPR.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Not available in certain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">jurisdictions. See </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">APPENDIX 2 – State </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Variations.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Preservation Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">– FP Series</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Protects your investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">from loss for a specified </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Holding Period. If, after a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">specified Holding Period, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Accumulation Value is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">less than the amount </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed, we will make a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">one-time increase to your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulation Value to make </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">it equal to the guaranteed </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You may request to reset the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed amount (an IPR </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Reset) under certain </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">circumstances.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">In most jurisdictions, includes </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">an IPR Death Benefit which </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">is payable upon the death of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Owner if the Owner dies </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">before the end of the Holding </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Period.</span> 0.0200 <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 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:62.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:104.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:139.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Reset.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="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;">IPR Reset rights may be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">suspended or discontinued </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and are subject to age </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">limits.</span></div></div></td></tr></table> <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;font-weight:bold;margin-left:0.0pt;">Unemployment </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 Surrender Charges if </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Owner experiences </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">certain “qualifying events” </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">such as: (i) confinement to a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">health care facility for 60 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">consecutive days; </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(ii) terminal illness; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(iii) disability. If the Owner </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">becomes unemployed, the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">rider waives Surrender </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges on a one-time </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">withdrawal of up to 50% of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Accumulation Value.</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;">Policy must have been in </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">force for at least one year </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and have a minimum </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$5,000.</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;">Qualifying Event (as </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">defined in the rider) must </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">occur after the Policy Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Not available if any Owner </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">has attained age 86 on the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Policy Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">For the Disability portion of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the rider, any withdrawal </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">after your 66th birthday will </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">not be eligible for the rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">benefit and surrender </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">charges may apply.</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;">A determination letter from </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">your state’s Department of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Labor is required for </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">unemployment 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;">Unemployment must be for </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">at least 60 consecutive </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">days.</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 the Owner(s) is not a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">natural person, all </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">restrictions and benefits of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the rider are based on the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Annuitant.</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;">Rider benefits and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">requirements to qualify for </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the rider benefits may not </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">be the same in all </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">jurisdictions.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Automatic Asset </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically rebalances </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Variable Accumulation </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value(either quarterly, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">semi–annually, or annually) </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to maintain the percentage </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocated to each Investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Division at a pre–set level.</span> 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">traditional </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar Cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Averaging</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> option.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a minimum of $2,500 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue it as scheduled.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional Dollar </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cost Averaging</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatically transfers a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">specific amount of money </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">from any Investment Division </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to any combination of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions and/or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account at set </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">intervals.</span> 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">Cannot be used with the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Automatic Asset </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Rebalancing option, or with </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">IPR</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">For premium based M&amp;E </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Charge policies, amounts </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">cannot be transferred to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">the Fixed Account (if </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">applicable).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:3.72pt;">You must have a minimum </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">Accumulation Value of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">$2,500 to elect this option, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">and a minimum of $2,000 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:9.0pt;">to continue as scheduled.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Advantage Account</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to set up </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic dollar cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">averaging using the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account when an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">initial premium payment or a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">subsequent premium </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment is made. The DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account transfers </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amounts automatically to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Divisions you </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">choose in six monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">increments and pays you </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest on amounts </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">remaining in the DCA </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Advantage Account.</span> 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:137pt;"> <td style="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;">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 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">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 be transferred to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">one or any combination of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment 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;">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 New York Life Annuities Service Center receives proof of death and all other required information in Good Order at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus. With a jointly owned policy, ownership rights and privileges under the policy must be exercised jointly and benefits under the policy will be paid upon the death of any joint owner, unless the surviving spouse has been designated the sole primary beneficiary. In that case, the surviving spouse can choose to continue the policy as discussed below. (See FEDERAL TAX MATTERS—Taxation of Annuities in General.”) For policies 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 (for policies applied for 5/1/2020 and after, if you were Age 80 or less when the policy was issued).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For policyowners who are age 81 to 85 on the Policy Date, the Standard Death Benefit amount will be the greater </span><span style="color:#000000;font-family:Arial;font-size:10pt;">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</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 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">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 2 –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 New York Life Annuities </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Service Center receives all documents (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;margin-left:12pt;">Here is an example of how the Standard Death Benefit is calculated for policies issued to policyowners aged 80 or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">younger.</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 seventh 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 eighth 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 eighth 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="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  (for policies applied for 5/1/2020 and after, if you were Age 80 or less when the policy was issued)</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;">In this example, for policies issued to policyowners aged 80 or younger, 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;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For policies issued to policyowners aged 81-85, the Step-Up Death Benefit is not available. Accordingly, your </span><span style="color:#000000;font-family:Arial;font-size:10pt;">beneficiaries would receive the greater of (a) or (b) above. In this case, it would be $183,333.33 as calculated in (b).</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. The rider is not available for Inherited Non-Qualified polices. If you purchase this rider and you die prior to the Annuity Commencement Date, we will pay an amount as proceeds to the designated Beneficiary, as of the date we receive proof of death and all requirements necessary to make the payment at the New York Life Annuities Service Center. 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;">Investment Preservation Rider – FP Series</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The Investment Preservation Rider – FP Series (“IPR”) is available only at the time of application and your right to </span><span style="color:#000000;font-family:Arial;font-size:10pt;">cancel the IPR is limited as described 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:10pt;margin-left:12pt;">The IPR is available with all Non-Qualified, IRA, SEP IRA and Roth IRA policies if the Owner (oldest Owner, if the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">policy is jointly owned) and the Annuitant (oldest Annuitant, if the policy has joint Annuitants) are age 75 or younger (70 or younger for the 20-year Holding Period) on the Rider Effective Date. The rider is not available on Inherited IRA, Inherited Roth IRA and Inherited Non-Qualified 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;margin-left:12pt;">While IPR is in effect, you may only make premium payments to the policy (a) in the first Policy Year or (b) after the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR Holding Period End Date. The IPR allows you to choose among eight (8) different Holding Periods. If you purchase the IPR, you will be eligible to receive a one–time adjustment to your Accumulation Value in the event that your Accumulation Value is less than the amount guaranteed under the IPR on the applicable policy anniversary of the Rider Effective Date (or most recent reset date) for the Holding Period you choose. You may request to reset the guaranteed amount (an “IPR Reset”) under certain circumstances, as described below. Certain features of the IPR may not be available in all jurisdictions; contact your registered representative or see “APPENDIX 2 – State Variations” for more information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The IPR ends on the applicable policy anniversary of the Rider Effective Date (or most recent reset date) for the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Holding Period you choose (See “IPR DEATH BENEFIT” regarding the terms under which such death benefit may continue after the IPR ends). The applicable policy anniversary depends on the Holding Period you choose. While the IPR is in effect and prior to the IPR Holding Period End Date, we will deduct a charge from your Accumulation Value on each policy quarter. (See “CHARGES AND DEDUCTIONS— Optional Benefit Expenses-Charge for the Investment Preservation Rider – FP Series” and the Rate Sheet Prospectus Supplement for current charges). When you make a partial withdrawal (including required minimum distributions from IRAs), we will reduce the amount that is guaranteed (the “Guaranteed Amount”) under the IPR proportionally (“Guaranteed Amount Proportional Reduction”). A Guaranteed Amount Proportional Reduction is equal to the amount withdrawn from the policy (including any amount withdrawn for the surrender charge) divided by the Accumulation Value immediately preceding the withdrawal, multiplied by the Guaranteed Amount immediately preceding the withdrawal. For example, if you withdrew 10% of the Accumulation Value, your Guaranteed Amount will be reduced by 10%.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Please note that benefits payable under the IPR are payable from NYLIAC’s general account and are subject to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">claims paying ability of NYLIAC. No third–party guarantees are involved.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">The IPR Guaranteed Amount</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies with applications signed before May 1, 2023, the Guaranteed Amount under the IPR is 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;">(i)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For the 10, 11, 12, 13, 14, or 15 year Holding Periods: The Guaranteed Amount will equal 100% of the sum of all premium payments made in the first Policy Year, less all Guaranteed Amount Proportional Reductions made during the rider Holding Period.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(ii)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For the 20 year Holding Period: The Guaranteed Amount will equal 150% of the sum of all premium payments made in the first Policy Year, less all Guaranteed Amount Proportional Reductions made during the rider Holding Period.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For policies with applications signed on or after May 1, 2023, the Guaranteed Amount will equal the IPR Guarantee </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Percentage of the sum of all premium payments made in the first Policy Year, minus all IPR Guaranteed Amount Proportional Reductions made during the rider Holding Period. The IPR Guarantee Percentage used to determine the IPR Guaranteed Amount is subject to change and will depend on when you purchase your policy. Once you purchase the policy, however, the IPR Guarantee Percentage will not change for the life of the IPR. For current percentages applicable to new purchases, see the Rate Sheet Prospectus Supplement. See APPENDIX 3 for the IPR Guarantee Percentages that applied to historical purchases.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">IPR Reset:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">You can decide to reset to increase the Guaranteed Amount under the IPR. You may request to reset the Guaranteed Amount at any time while the IPR is in effect as long as (a) the Owner (oldest Owner, if the policy is jointly owned) and the Annuitant (oldest Annuitant, if the Policy has joint Annuitants) are age 75 or younger (for the 7, 10, 11, 12, 13, 14 and 15 year Holding Periods), or age 70 or younger (for the 20 year Holding Period) and (b) prior to the reset, the Accumulation Value multiplied by the IPR Guarantee Percentage is greater than the Guaranteed Amount. For an IPR Reset, you must send a written request in Good Order to the New York Life Annuities Service Center at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus. The reset will take effect on the Policy Anniversary immediately following the date we receive your request to reset (the “Rider Reset Effective Date”) and, at such time, the IPR Guaranteed Amount will be increased to the IPR Guarantee Percentage of your Accumulation Value as of the Rider Reset Effective Date. After the reset(s), Guaranteed Amount Proportional Reductions still apply during the new Holding Period. Additionally, upon reset of policies purchased on or before November 12, 2023, the terms of the IPR Death Benefit for the 20 year Holding Period are also reset so that the Owner must hold the rider for the new minimum waiting period (within two years of the new Holding Period End Date), for the IPR Death Benefit to equal the Guaranteed Amount; if the death of the Owner is earlier than within two years of the new Holding Period End Date, the IPR Death Benefit will be the Accumulation Value as of the Rider Reset Effective Date less any proportional withdrawals. For resets under policies purchased on or after November 13, 2023, for any Holding Period selected, where the Guarantee Percentage under the IPR is 101% or more, the terms of the IPR Death Benefit are also reset so that the death of the Owner must be within or after the last two years of the new Holding Period End Date in order for the IPR Death Benefit to equal the Guaranteed Amount; if the death of the Owner is earlier than within two years of the new Holding Period End Date, the IPR Death Benefit will be the Accumulation Value as of the Rider Reset Effective Date less any proportional withdrawals. We may also set a new charge for the IPR on that Policy Anniversary (not to exceed the guaranteed maximum charge in the “TABLE OF FEES AND EXPENSES”) Please see the Rate Sheet Prospectus Supplement that is in effect as of your Rider Reset Effective Date for the charges that will apply to your IPR after reset. In addition, upon reset, allocation restrictions may change.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When you reset, a new rider Holding Period with the same duration as the original rider Holding Period will begin as of the Rider Reset Effective Date. That means, for example, if you purchase IPR with a 12 year Holding Period, and you elect to reset in policy year four (4), a new 12 year Holding Period will begin on the Policy Anniversary immediately following the date we receive your request to reset. You will not be eligible to receive a one-time adjustment to your Accumulation Value until the Policy Anniversary following the end of the new rider Holding Period. We can suspend or discontinue the ability to reset the Guaranteed Amount at any time in our sole discretion on a nondiscriminatory basis. If we decide to suspend or discontinue the ability to reset the Guaranteed Amount, we will promptly notify you in writing. Please contact your registered representative for more information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">A policyowner may cancel an IPR Reset at any time prior to or within thirty (30) days after the Rider Reset Effective </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Date. If you cancel your request to reset, no change will be made to the IPR Guaranteed Amount, IPR Holding Period, IPR Holding Period End Date, (if previously reset, the Rider Reset Effective Date), allocation restrictions, or the IPR Charge, if applicable.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Example of an IPR Reset</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In this example, we have assumed the following:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR with a 10-year Holding Period is purchased at the time of application:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">An initial premium payment of $100,000 is made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your IPR Guarantee Percentage is 100%; therefore, the Guaranteed Amount equals 100% of the sum of all premium payments that we receive in the first Policy Year, less all Guaranteed Amount Proportional Reductions made during the rider Holding Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional premium payments are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">On Policy Year 4, after deduction of all cumulative policy fees and charges, your Accumulation Value increases due to market gain to $130,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Because you have experienced market gains by Policy Year 4, you decide to request an IPR Reset as of the 4th Policy Anniversary;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the reset, your new Guaranteed Amount is $130,000; and</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(8)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your Holding Period End Date is extended an additional 10 years (Policy Year 14).</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">IPR Investment Restrictions</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you purchase IPR, you will be allowed to allocate your premium payments to the Investment Divisions, an </span><span style="color:#000000;font-family:Arial;font-size:10pt;">available Asset Allocation Model and the DCA Advantage Account subject to the restrictions set forth in APPENDIX 1B.</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 Fixed Account is not available while the IPR is in effect and prior to the IPR Holding Period End Date. Upon </span><span style="color:#000000;font-family:Arial;font-size:10pt;">any termination of the IPR, the Fixed Account will be an available investment option. If you purchase the IPR, there will be limitations on how you allocate to the Investment Divisions. You may allocate your premium payment to Investment Divisions in the Asset Allocation Categories in accordance with the specified thresholds or to one of the available Asset Allocation Models. Individual transfers between Investment Divisions, the DCA Advantage Account and/or Asset Allocation Models are not allowed. If you wish to complete an individual transfer between the Investment Divisions or change to a different Asset Allocation Model (if available), you must send a reallocation form to the New York Life Annuities Service Center at one of the addresses in the “CONTACTING NYLIAC” section of this Prospectus. Each policy quarter, we will automatically rebalance your current allocations to conform to your most recent allocation instructions. The Investment Division restrictions associated with the IPR seek to moderate overall volatility or hedge against down-market volatility, and may limit your participation in positive investment performance. Other investment options that are available if you do not purchase the IPR may offer the potential for higher returns. You should consult with your registered representative and carefully consider whether the Investment Division restrictions associated with the IPR meet your investment objectives and risk tolerance. The Asset Allocation Categories and the Asset Allocation Models available with IPR are set forth in Appendix 1B.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you choose an IPR Reset, the restrictions on investment allocations may change. These changes could include, </span><span style="color:#000000;font-family:Arial;font-size:10pt;">without limitation, changes to the Investment Divisions available under each Asset Allocation Category, adding or removing Asset Allocation Categories, an adjustment to the minimum and/or maximum allocation percentages available under the Asset Allocation Categories, adding or removing Asset Allocation Models and/or discontinuing the availability of 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;">With the IPR, you do not have to surrender the policy to receive any applicable benefit. You will be eligible to </span><span style="color:#000000;font-family:Arial;font-size:10pt;">receive any benefit payable on the Policy Anniversary for the Holding Period you chose after the later of the Policy Date or the most recent reset date. You do not need to take any action. We will inform you in writing if you are eligible to receive the one-time adjustment to your Accumulation Value under the IPR. We will also inform you of your options in the event that such one-time adjustment is made to your Accumulation Value which are to (i) surrender the policy and receive the adjusted Accumulation Value (which may be subject to surrender charges), or (ii) continue the policy at the adjusted Accumulation Value, which is subject to market fluctuation. If you are eligible to receive an adjustment, we will credit an amount to your Accumulation Value pro rata in accordance with your allocations currently on file. If you surrender the policy, amounts paid to you under the IPR may be taxable and you may be subject to a 10% penalty tax if such amounts are paid before you reach age 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-style:italic;">The Effects of Surrendering the Policy or Cancelling the IPR</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You may cancel the IPR within thirty (30) days after delivery of the policy. To cancel, you must return the IPR to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">New York Life Annuities Service Center at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus or to the registered representative through whom you purchased it with a written request for cancellation. Upon receipt of this request, we will promptly cancel the IPR and refund any IPR charges which may have been deducted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">After the 30-day period, you may only cancel the IPR if we suspend your right to reset the Guaranteed Amount 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;">The IPR will provide no benefit if you surrender the policy before the Policy Anniversary on which you are eligible to </span><span style="color:#000000;font-family:Arial;font-size:10pt;">receive a potential one-time adjustment to your Accumulation Value. Therefore, you should purchase the IPR only if you intend to keep the policy for at least the rider Holding Period you choose (7, 10, 11, 12, 13, 14, 15 or 20 years).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">In most jurisdictions, the IPR will terminate if an ownership change or assignment of the policy is made, other than </span><span style="color:#000000;font-family:Arial;font-size:10pt;">as explicitly described in the rider.</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;">The Effects of Withdrawals on the IPR</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Any withdrawal reduces the Guaranteed Amount proportionally and the amount of charges assessed for the IPR. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">While the IPR is in effect, withdrawals will be deducted proportionally from the Allocation Options. However, please note that charges assessed for the IPR prior to the date of any withdrawal (including required minimum distributions from IRAs) will not be retroactively adjusted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">It is important to note that if you make any withdrawals (including required minimum distributions from IRAs) while the IPR is in effect, you may not be able to receive the full value of the IPR. The reduction in the Guaranteed Amount may be significant and could be greater than the actual amount withdrawn. This may occur when you request a withdrawal at a time when your Accumulation Value is lower than the Guaranteed Amount (see example below). As a result, the IPR may not be appropriate for you if you intend to take withdrawals (including required minimum distributions from IRAs) before the end of the Holding Period you choose. You should consult your registered representative and tax advisor if you have any questions about the use of the IPR in your tax situation.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;">How the IPR is Calculated</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">We have set forth below an example of how the benefit from the IPR may be realized and how withdrawals </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(including required minimum distributions from IRAs) will impact the Guaranteed Amount and how we calculate the Guaranteed Amount Proportional Reduction. In this example, we have assumed the following:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR with a 10 year Holding Period is purchased at the time of application:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">An initial premium payment of $100,000 is made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your IPR Guarantee Percentage is 100%; therefore the Guaranteed Amount equals 100% of the sum of all premium payments that we receive in the first Policy Year, less all Guaranteed Amount Proportional Reductions made during the rider Holding Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional premium payments are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A withdrawal of $20,000 is made in the eighth policy year;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Accumulation Value immediately preceding the withdrawal has decreased to $80,000; and</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">As of the Holding Period End Date, the Accumulation Value on the Policy Anniversary corresponding to the Holding Period you chose has decreased to $50,000.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The Guaranteed Amount when we issued the policy was $100,000. When the withdrawal was made in the eighth </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Policy Year, we reduced the Guaranteed Amount by the amount of the Guaranteed Amount Proportional Reduction. We calculated the amount of the Guaranteed Amount Proportional Reduction by taking the requested withdrawal amount, dividing it by the Accumulation Value immediately preceding the withdrawal, and then multiplying that number by the Guaranteed Amount 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:0%;">Guaranteed Amount Proportional Reduction = ($20,000/$80,000) x $100,000 = $25,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">To determine the new Guaranteed Amount after the withdrawal, we subtracted the amount of the Guaranteed </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amount Proportional Reduction from the initial Guaranteed Amount: ($100,000 – $25,000) = $75,000.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">On the Policy Anniversary for the Holding Period, the Accumulation Value ($50,000) is less than the Guaranteed </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amount of $75,000. Therefore, you are eligible to receive a one–time adjustment to your Accumulation Value of $25,000.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you had chosen the 20 year Holding Period, assuming an IPR Guarantee Percentage of 150%, the Guaranteed </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amount when we issued the policy would have been $150,000. Then the Guaranteed Amount Proportional reduction in year eight would have been ($20,000/$80,000) x $150,000 = $37,500 and the Guaranteed Amount after the Guaranteed Amount Proportional Reduction would have been $112,500. On the Policy Anniversary for the 20 year Holding Period, the Accumulation Value ($50,000) is less than the Guaranteed Amount of $112,500. Therefore, you would have been able to receive a one-time adjustment of $62,500.</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;margin-left:12pt;">After the adjustment is paid, the rider will end (See “DESCRIPTION OF BENEFITS–Investment Preservation </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Rider–IPR Death Benefit” regarding the terms under which such death benefit may continue after the IPR ends). You would not have been eligible to receive this adjustment to your Accumulation Value if you had not purchased the IPR Rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Upon your death, the IPR and the policy will terminate unless your spouse chooses to continue the policy. Your </span><span style="color:#000000;font-family:Arial;font-size:10pt;">spouse must be the sole primary beneficiary to continue the IPR and the policy. If your spouse chooses to continue the IPR and the policy, no death benefit proceeds will be paid upon your death.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">IPR Death Benefit</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">The IPR Death Benefit is available in jurisdictions where approved (see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">“APPENDIX 2 – State Variations”</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> for more information).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">If you purchased your policy on or prior to November 12, 2023:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">For the 10, 11, 12, 13, 14 and 15-year Holding Periods:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies on or before the Holding Period End Date and the Owner’s spouse does not continue the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">pursuant to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(a).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies after the Holding Period End Date and the Owner’s spouse does not continue the policy pursuant </span><span style="color:#000000;font-family:Arial;font-size:10pt;">to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(b).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the death benefit payable under the policy. (See “DESCRIPTION OF BENEFITS – The Standard Death Benefit–Death Before Annuity Commencement”.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any death benefit available under any other rider attached to the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit, which is:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount on the Holding Period End Date, increased by any premium payments received after the Holding Period End Date and reduced proportionally for withdrawals taken after the Holding Period End Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For the IPR Death Benefit in (b) above, the proportional reduction for withdrawals is equal to the amount withdrawn </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(including any Surrender Charges that you may incur as a result of the withdrawal), divided by the policy’s Accumulation Value immediately preceding the withdrawal, multiplied by the IPR Death Benefit immediately preceding the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">For the 20 year Holding Period:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies within the last two (2) years of the rider Holding Period and the Owner’s spouse does not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">continue the policy pursuant to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(a).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies before the last two (2) years of the rider Holding Period and the Owner’s spouse does not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">continue the policy pursuant to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(b).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies after the Holding Period End Date and the Owner’s spouse does not continue the policy pursuant </span><span style="color:#000000;font-family:Arial;font-size:10pt;">to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(c).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the death benefit payable under the policy. (See “DESCRIPTION OF BENEFITS – The Standard Death Benefit–Death Before Annuity Commencement”.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any death benefit available under any other rider attached to the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit, which is:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A portion of the Guaranteed Amount which is determined by dividing the Guaranteed Amount by 150%; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount on the Holding Period End Date, increased by any premium payments received after the Holding Period End Date and reduced proportionally for withdrawals taken after the Holding Period End Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For the IPR Death Benefit in (c) above, the proportional reduction for withdrawals is equal to the amount withdrawn </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(including any Surrender Charges that you may incur as a result of the withdrawal), divided by the policy’s Accumulation Value immediately preceding the withdrawal, multiplied by the IPR Death Benefit immediately preceding the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;text-decoration:underline;">If you purchased your policy on or after November 13, 2023:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">For policies where the IPR Guarantee Percentage is 100% or less:</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 Owner dies on or before the Holding Period End Date and the Owner’s spouse does not continue the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">pursuant to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(a).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies after the Holding Period End Date and the Owner’s spouse does not continue the policy pursuant </span><span style="color:#000000;font-family:Arial;font-size:10pt;">to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(b).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the death benefit payable under the policy. (See “DESCRIPTION OF BENEFITS – The Standard Death Benefit–Death Before Annuity Commencement”.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any death benefit available under any other rider attached to the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit, which is:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount on the Holding Period End Date, increased by any premium payments received after the Holding Period End Date and reduced proportionally for withdrawals taken after the Holding Period End Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For the IPR Death Benefit in (b) above, the proportional reduction for withdrawals is equal to the amount withdrawn </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(including any Surrender Charges that you may incur as a result of the withdrawal), divided by the policy’s Accumulation Value immediately preceding the withdrawal, multiplied by the IPR Death Benefit immediately preceding the withdrawal</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">For policies where the IPR Guarantee Percentage is 101% or more:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies within the last two (2) years of the rider Holding Period and the Owner’s spouse does not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">continue the policy pursuant to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(a).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies before the last two (2) years of the rider Holding Period and the Owner’s spouse does not </span><span style="color:#000000;font-family:Arial;font-size:10pt;">continue the policy pursuant to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(b).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If the Owner dies after the Holding Period End Date and the Owner’s spouse does not continue the policy pursuant </span><span style="color:#000000;font-family:Arial;font-size:10pt;">to the policy’s death benefit provisions, the death benefit will be equal to the greatest of 1, 2 and 3(c).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the death benefit payable under the policy. (See “DESCRIPTION OF BENEFITS – The Standard Death Benefit–Death Before Annuity Commencement”.)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any death benefit available under any other rider attached to the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit, which is:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount; or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A portion of the Guaranteed Amount which is determined by dividing the Guaranteed Amount by the applicable IPR Percentage as reflected on your IPR rider data page (See rate Sheet Prospectus Supplement for the IPR Guaranteed Amount Percentage applicable for new purchases); or</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Guaranteed Amount on the Holding Period End Date, increased by any premium payments received after the Holding Period End Date and reduced proportionally for withdrawals taken after the Holding Period End Date.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For the IPR Death Benefit in (c) above, the proportional reduction for withdrawals is equal to the amount withdrawn </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(including any Surrender Charges that you may incur as a result of the withdrawal), divided by the policy’s Accumulation Value immediately preceding the withdrawal, multiplied by the IPR Death Benefit immediately preceding the withdrawal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Payment of a death benefit terminates the IPR.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">It is important to note that for purposes of calculating the IPR Guaranteed Amount under the IPR Death Benefit, </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Partial Withdrawals (including required minimum distributions) proportionally reduce the Guaranteed Amount while additional premium payments increase the Guaranteed Amount dollar for dollar. This means that under certain market conditions, a partial withdrawal will cause a greater decrease to the IPR Guaranteed Amount than the increase to the IPR Guaranteed Amount from a premium payment of the same amount as 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, assume that you are in your first Policy Year. You made an initial premium payment of $100,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Assuming that the IPR Guarantee Percentage is 100%, your IPR Guaranteed Amount will be 100% of the sum of all premium payments that we receive in the first Policy Year (i.e., $100,000). Assume further, however, that your Accumulation Value immediately dropped due to negative market performance and is now only $80,000. If you requested a withdrawal of $20,000 at a time where your Accumulation Value was less than the IPR Guaranteed Amount, the IPR Guaranteed Amount Proportional Reduction would operate to lower the IPR Guaranteed Amount by $25,000. Your IPR Guaranteed Amount after the withdrawal would be $75,000. See the above “How the IPR is Calculated” to see how this would occur. Although you only requested a withdrawal of $20,000, it resulted in a $25,000 reduction of the benefit guaranteed by the IPR. If, however, there had been no negative market performance and you made a premium payment of $20,000 instead of a withdrawal, the effect on your IPR Guarantee would be to increase your IPR Guaranteed Amount by $20,000 so that it is now $120,000. A withdrawal, therefore, may have a greater impact on the value of the benefit than would a payment made in the same amount. Please consult your investment adviser representative before making a withdrawal to discuss its impact on your IPR benefit.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Calculation of the IPR Death Benefit:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Here is an example of how the IPR Death is calculated:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR with a 10 year Holding Period is purchased at the time of application;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You made an initial premium payment of $100,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional premiums are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Guarantee Percentage is 100%; therefore, the Guaranteed Amount is 100% of the sum of all premium payments that we receive in the first Policy Year, less all the Guaranteed Amount Proportional Reductions made during the rider Holding Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">As of the fourth Policy Anniversary, an IPR Reset is requested because the Accumulation Value has increased to $150,000. After the reset, the new Guaranteed Amount is increased to $150,000 and a new 10 year Holding Period has begun;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You die in the fifth Policy Year, and the Accumulation Value upon death is now $140,000 due to market fluctuations;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon death in the fifth Policy Year, the death benefit payable is the greater of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1) The Standard Death Benefit, which is</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulation Value upon death</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= $140,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">or</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Return of Premium Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= $100,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2) The IPR Death Benefit, which is</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">c)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the IPR Guaranteed Amount</span><span style="color:#000000;font-family:Arial;font-size:10pt;">= $150,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;">In this example, your beneficiary would receive the IPR Death Benefit amount of $150,000.</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;">For this example, assume:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">IPR with a 10 year Holding Period is purchased at the time of application on or after November 13, 2023;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You made an initial premium payment of $100,000;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your IPR Guarantee Percentage is 105%; therefore, the Guaranteed Amount is 105% of the sum of all premium payments that we receive in the first Policy Year, less all Guaranteed Amount Proportional Reductions made during the rider Holding Period;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No additional premiums are made;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">As of the fourth Policy Anniversary, an IPR Reset is requested because the Accumulation Value has increased to $150,000. After the reset, the new Guaranteed Amount is increased to $157,500 and a new Holding Period has begun;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">You die in the fifth Policy Year, and the Accumulation Value upon death is now $140,000 due to market fluctuations;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon death in the fifth Policy Year, the death benefit payable is the greater of:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Standard Death Benefit, which is the Accumulation Value upon death = $140,000 or;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Return of Premium Death Benefit = $100,000 or;</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Death Benefit = $150,000 (calculated as follows $157,500 / 105% = $150,000) (the Guaranteed Amount is not payable because death occurred prior to the minimum waiting period)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">In this example, your beneficiary would receive the IPR Death Benefit amount of $150,000. If death occurred within </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the last two years of the new Holding Period End Date or after the new Holding Period End Date, the IPR Death Benefit would have been $157,500.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Spousal Continuance with the IPR</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Using the first death benefit calculation example, assume that instead of electing the IPR Death Benefit when the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">policyowner died in Policy Year 5, the surviving spouse elected to continue the policy as the new Owner. All of the values that existed at the time of the original policyowner’s death would simply continue as though the spouse as the new Owner had purchased the policy on the original Policy Date. For example:</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The IPR Guaranteed Amount would be $150,000 because the deceased spouse reset in Policy Year 4. Since a new 10 year Holding Period began upon the reset, there are 9 years left in the IPR Holding Period.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Accumulation Value in Policy Year 5 at the time of death is still $140,000 and the policy will continue. The surviving spouse has all the rights under the policy, including the ability to make transfers, premium payments and withdrawals. The surviving spouse may also elect to reset the IPR Guaranteed Amount if he or she chooses.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">Please note that for jointly-owned policies, a spouse can only elect to continue the policy if the surviving spouse </span><span style="color:#000000;font-family:Arial;font-size:10pt;">has been designated the sole primary beneficiary of the policy. If someone other than the surviving spouse is designated as a beneficiary, the spousal continuance option is not available.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Information for Policies issued with the IPR before May 1, 2018</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">For policies issued with the IPR before May 1, 2018, the following difference applies: The Investment Division </span><span style="color:#000000;font-family:Arial;font-size:10pt;">restrictions associated with the IPR set forth in APPENDIX 1B do not apply to your IPR.</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. A Health Care Facility is defined as a state licensed/certified nursing home/assisted living facility. In addition, we 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;">(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 New York Life Annuities Service Center 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;">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="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You might specify that 50% of the Variable Accumulation Value of your policy be allocated to the MainStay VP </span><span style="color:#000000;font-family:Arial;font-size:10pt;">MacKay Convertible Investment Division and 50% of the Variable Accumulation Value be allocated to the 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="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You can choose to have AAR transfers made on your quarterly, semi-annual, or annual Policy Anniversary.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="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 New York Life Annuities Service Center at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus or by any other method we make available. The New York Life Annuities Service Center 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 New </span><span style="color:#000000;font-family:Arial;font-size:10pt;">York Life Annuities Service Center 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;line-height:12pt;"> </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 (not available with IPR)</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 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">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="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;">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 New York Life Annuities Service Center 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 New York Life Annuities Service Center 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 New York Life Annuities Service Center 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 New York Life Annuities Service Center 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 </span><span style="color:#000000;font-family:Arial;font-size:10pt;">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 New York Life Annuities Service Center.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">You can make partial withdrawals and transfers (in addition to the automatic transfers described above) from the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">DCA Advantage Account. We will make partial withdrawals and transfers first from the DCA Advantage Account Accumulation Value attributed to the initial premium payment and then from the DCA Advantage Account Accumulation Value attributed to subsequent allocations in the order received.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">You cannot make transfers into the DCA Advantage Account from any Allocation Option.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">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 New York Life Annuities Service Center at one of the addresses listed in the “CONTACTING NYLIAC” section of this Prospectus. The New York Life Annuities Service Center must receive a completed Interest Sweep request form at least five Business Days prior to the date transfers are scheduled to begin. If the New York Life Annuities Service Center 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 New York Life Annuities Service Center 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 New York Life Annuities Service Center 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 New York Life Annuities Service Center 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 New York Life Annuities Service Center 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/premier-fpseries. You can also request this information at no cost by calling the New York Life Annuities Service Center at 800-762-6212 or by sending an email request with your name and mailing address to PremierFPProspectus@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:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12pt;">If you purchased the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Investment Preservation Rider, you may not be able to invest in certain Portfolios. Your available Allocation Options are listed in APPENDIX 1B.</span><span style="color:#000000;font-family:Arial;font-size:1pt;margin-left:0%;"> </span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP American Century Sustainable </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investment</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management LLC (“New York Life Investments”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">American Century Investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Inc.</span> 0.0092 0.2408 0.1266 0.0846 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Balanced — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors LLC (“NYL Investors”) and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington Management Company LLP </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Wellington”)</span> 0.0095 0.0728 0.0815 0.0590 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Bond — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span> 0.0077 0.0531 0.0071 0.0145 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP CBRE Global Infrastructure — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CBRE Investment Management Listed Real Assets </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0120 0.0380 0.0046 -0.0284 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Conservative Allocation — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0073 0.1002 0.0538 0.0382 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Epoch U.S. Equity Yield — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch Investment Partners, Inc. (“Epoch”)</span> 0.0093 0.0842 0.0982 0.0691 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Equity Allocation — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0086 0.1710 0.1045 0.0662 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Fidelity Institutional AM</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Utilities — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FIAM LLC (“FIAM”)</span> 0.0092 -0.0171 0.0814 0.0615 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Floating Rate — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span> 0.0089 0.1158 0.0469 0.0354 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Growth Allocation — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0082 0.1520 0.0920 0.0596 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Hedge Multi-Strategy (formerly </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP IQ Hedge Multi-Strategy) — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ Advisors LLC (“IndexIQ”)</span> 0.0132 0.0998 0.0253 -0.0167 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Income Builder — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Epoch and MacKay Shields LLC (“MacKay”)</span> 0.0087 0.0978 0.0578 0.0475 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Janus Henderson Balanced — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC (“Janus </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Henderson”)</span> 0.0082 0.1523 0.0948 0.0778 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay Convertible — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0083 0.0858 0.1131 0.0823 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0083 0.1159 0.0504 0.0447 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay Strategic Bond — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0087 0.0992 0.0318 0.0249 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay Government) — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MacKay</span> 0.0081 0.0474 0.0005 0.0072 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Moderate Allocation — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> 0.0076 0.1273 0.0720 0.0490 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Natural Resources — Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment Management North America, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC ("NIMNA")</span> 0.0084 0.0192 0.1896 0.0279 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company LLC </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“PIMCO”)</span> 0.0103 0.0346 0.0308 0.0201 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP PineStone International Equity </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(formerly MainStay VP MacKay International </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity) — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PineStone Asset Management Inc.</span> 0.0111 0.0401 0.0510 0.0385 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">IndexIQ</span> 0.0037 0.2583 0.1525 0.1153 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Small Cap Growth — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Brown Advisory, LLC and Segall Bryant &amp; Hamill, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0110 0.1522 0.1029 0.0726 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Money Market</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP U.S. Government Money Market — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Initial Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NYL Investors</span> 0.0028 0.0481 0.0161 0.0099 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span> 0.0111 0.1341 0.0793 0.0639 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington Small Cap — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span> 0.0099 0.1360 0.0642 0.0599 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Wellington U.S. Equity — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Wellington</span> 0.0081 0.2427 0.1288 0.1019 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MainStay VP Winslow Large Cap Growth — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">New York Life Investments</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Winslow Capital Management, LLC</span> 0.0099 0.4270 0.1729 0.1318 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio — Class B</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span> 0.0086 0.1172 0.1157 0.0905 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Asset Allocation Fund — Class </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Capital Research and Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> (“CRMC”)</span> 0.0080 0.1402 0.0892 0.0698 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS The Bond Fund of America</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">— Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0073 0.0472 0.0162 0.0183 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Capital World Bond Fund</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0098 0.0589 -0.0056 0.0012 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Global Small Capitalization </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund — Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0116 0.1579 0.0803 0.0551 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Growth Fund — Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0084 0.3813 0.1838 0.1407 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS New World Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0107 0.1567 0.0837 0.0443 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS U.S. Government Securities </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0076 0.0262 0.0079 0.0127 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Arial;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Class 4</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">CRMC</span> 0.0077 0.1697 0.1233 0.0964 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Global Allocation V.I. Fund — Class III</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC (“BlackRock”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock (Singapore) Limited and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock International Limited</span> 0.0102 0.1249 0.0739 0.0463 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Non-Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> High Yield V.I. Fund — Class III</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BlackRock </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">International Limited</span> 0.0079 0.1294 0.0549 0.0421 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon IP Technology Growth Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">NIMNA</span> 0.0103 0.5900 0.1531 0.1294 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">BNY Mellon Investment Adviser, Inc.</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Newton Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Limited</span> 0.0092 0.2350 0.1485 0.1018 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, LLC </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">("FTFA”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">ClearBridge Investments, </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0097 0.1939 0.1379 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">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 Markets </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond Fund — Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span> 0.0100 0.1002 0.0157 0.0220 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate Bond </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund — Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span> 0.0076 0.0596 0.0134 0.0199 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Columbia Variable Portfolio — Small Cap Value </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fund — Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Columbia</span> 0.0111 0.2167 0.1339 0.0840 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Alternatives</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP — Class B</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management Americas </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">RREEF America LLC</span> 0.0121 0.0567 0.0570 0.0263 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Bond Index Portfolio — Service Class </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fidelity Management &amp; Research </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company LLC (“FMR”)</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">investment advisers</span> 0.0039 0.0513 0.0064 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Portfolio — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0081 0.3312 0.1636 0.1133 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Emerging Markets Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0114 0.0949 0.0755 0.0492 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0072 0.1038 0.1201 0.0831 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Extended Market Index Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode Capital </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management, LLC (“Geode”)</span> 0.0038 0.1711 0.1102 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP FundsManager</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 60% Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> 0.0071 0.1417 0.0861 0.0626 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Growth Opportunities Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0084 0.4530 0.1879 0.1544 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Health Care Portfolio — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0084 0.0401 0.0950 0.1039 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP International Index Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Geode</span> 0.0042 0.1588 0.0689 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Investment Grade Bond Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0063 0.0600 0.0172 0.0208 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio — Service Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FMR</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Other investment </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">advisers</span> 0.0082 0.1480 0.1217 0.0785 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Aggressive Model Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc. </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">(“Franklin Advisers”)</span> 0.0091 0.1805 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span> 0.0088 0.1553 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span> 0.0085 0.1318 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Model Portfolio — Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span> 0.0085 0.1031 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Allocation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Franklin Templeton Conservative Model </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers</span> 0.0089 0.0831 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series II Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc. (“Invesco”)</span> 0.0115 0.1786 0.0815 0.0407 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Series II Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Invesco.</span> 0.0113 0.1782 0.1279 0.0866 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise Portfolio — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson</span> 0.0097 0.1778 0.1314 0.1182 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global Research Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Janus Henderson</span> 0.0086 0.2647 0.1305 0.0874 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Macquarie VIP Small Cap Value Series (formerly </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Delaware 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 Series) — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware Management Company, a </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">series of Macquarie Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Business Trust (a Delaware statutory trust)</span> 0.0108 0.0910 0.0987 0.0677 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company (“MFS”)</span> 0.0114 0.1737 0.0831 0.0666 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Investors Trust Series — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0103 0.1866 0.1327 0.1000 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Mid Cap Value Portfolio — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0104 0.1239 0.1260 0.0846 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research International Portfolio — Service </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0114 0.1283 0.0823 0.0389 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Research Series — Service Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">MFS</span> 0.0104 0.2212 0.1413 0.1055 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Morgan Stanley VIF U.S. Real Estate Portfolio — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Morgan Stanley Investment Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Inc.</span> 0.0105 0.1422 0.0266 0.0426 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small/Mid Cap</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio — Class S</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment Advisers </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">LLC</span> 0.0111 0.1796 0.1186 0.0869 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio — Advisor Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0113 0.0814 0.0322 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT International Bond Portfolio (U.S. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar-Hedged) — Advisor Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0138 0.0891 0.0154 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Low Duration Portfolio — Advisor </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0079 0.0487 0.0088 0.0082 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Short-Term Portfolio — Advisor Class</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0076 0.0580 0.0202 0.0176 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio — Advisor Class</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">PIMCO</span> 0.0085 0.0583 0.0098 0.0160 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Principal VC Real Estate Securities Account — </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Class 2</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Global Investors, LLC</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Real Estate Investors, LLC</span> 0.0104 0.1301 0.0824 0.0844 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">International/</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Putnam VT International Value Fund — Class IB</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Investments Limited and The </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Putnam Advisory Company, LLC</span> 0.0113 0.1868 0.0970 0.0388 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Cap Equity</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Voya Growth and Income Portfolio — Class S</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investments, LLC</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Voya Investment Management Co. LLC</span> 0.0092 0.2706 0.1590 0.1102 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grade Bond</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Western Asset Core Plus VIT Portfolio — Class II</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">FTFA</span> <span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Western Asset </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company, LLC; Western Asset </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company Limited in London; </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Western Asset Management Company Pte. Ltd. in </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Singapore; and Western Asset Management </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company Ltd. in Japan</span> 0.0076 0.0644 0.0098 <span style="font-family:Arial;font-size:9pt;">Current Expenses take into account expense reimbursement or fee waiver arrangements in place that are generally expected to continue through April 30, 2025 and may be terminated at any time thereafter at the option of the Fund. Annual expenses for the Portfolio for the year ended December 31, 2023 reflect temporary fee reductions under such an arrangement.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Model Portfolios,Investment Divisions and Asset Allocation Models available with IPR(for policies issued on or after May 1, 2018)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 1 – Franklin Templeton Model Portfolios</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Aggressive</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderate</span></div></div></td></tr> <tr style="height:23pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:26.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:234.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:29.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:231.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio</span></div></div></td></tr> <tr style="height:18pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:261.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Conservative</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:261.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Conservative (only available for 20-year holding period)</span></div></div></td></tr> <tr style="height:22pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:26.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:234.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative Model</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:29.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:231.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Conservative Model Portfolio</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 2 – Choose Your Own Investment Divisions</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category A:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">30</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">100</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td colspan="3" style="vertical-align:Top;width:522.00pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory I Funds (Minimum Allocation 10% - total among all the subcategory I Funds)</span></div></div></td></tr> <tr style="height:100pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP U.S. Government Money Market</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS The Bond Fund of America</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Capital World Bond Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS U.S. Government Securities Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate Bond Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Bond Index Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Investment Grade Bond Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT International Bond Portfolio (U.S.</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dollar-Hedged)</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Low Duration Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Short-Term Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Western Asset Core Plus VIT Portfolio</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory II Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:34pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Floating Rate</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay Strategic Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> High Yield V.I. Fund</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category B:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">0</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">70</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category B Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:111pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP American Century Sustainable Equity</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Epoch U.S. Equity Yield</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Hedge Multi-Strategy</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay Convertible</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington U.S. Equity</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Winslow Large Cap Growth</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Growth Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Growth Opportunities Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Investors Trust Series</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Voya Growth and Income Portfolio</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category C:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">0</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">25</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:21pt;"> <td colspan="3" style="vertical-align:Top;width:522.00pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:15pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory I Funds (Maximum Allocation 15% - total among all the subcategory I Funds)</span></div></div></td></tr> <tr style="height:67pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Small Cap Growth</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Small Cap</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Small Cap Value</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Extended Market Index Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Enterprise Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Macquarie VIP Small Cap Value Series</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Mid Cap Value Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth Portfolio</span></div></div></td></tr> <tr style="height:13pt;"> <td colspan="3" style="vertical-align:Top;width:522.00pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory II Funds (Maximum Allocation 15% - total among all the subcategory II Funds)</span></div></div></td></tr> <tr style="height:67pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PineStone International Equity</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Global Small Capitalization Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS New World Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Emerging Markets Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP International Index Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco V.I. EQV International Equity Fund</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Global Research Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research International Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Putnam VT International Value Fund</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"> </div></div></td></tr> <tr style="height:12pt;"> <td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:522.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Subcategory III Funds (Maximum Allocation 10% - total among all the subcategory III Funds)</span></div></div></td></tr> <tr style="height:44pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP CBRE Global Infrastructure</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Fidelity Institutional AM</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Utilities</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Natural Resources</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BNY Mellon IP Technology Growth Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:2.0pt;"> <div style="display:flex;white-space:nowrap;width:2.0pt;"> </div></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Commodity Strategy</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Health Care Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Morgan Stanley VIF U.S. Real Estate Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Principal VC Real Estate Securities Account</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 3 – Asset Allocation Funds:</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category D:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:17.01pt;">100</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category D Asset Allocation Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:132pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Balanced</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Conservative Allocation</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Income Builder</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Janus Henderson Balanced</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Moderate Allocation</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Asset Allocation Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Global Allocation V.I. Fund</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP FundsManager</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> 60% Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative Model Portfolio</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Conservative Model Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 4 – Asset Allocation Models (subject to availability)</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Aggressive</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderate</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span> <div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Bond Index Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Investors Trust Series</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Investors Trust Series</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td></tr> <tr style="height:11pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial;font-size:9pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:3pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Aggressive</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderate</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PineStone International Equity</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS New World Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS New World Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div></div></td></tr> <tr style="height:11pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Conservative</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Conservative</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT International Bond Port (U.S. Dollar-Hedged)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Bond Index Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Bond Index Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT International Bond Port (U.S. Dollar-Hedged)</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> High Yield V.I. Fund</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Investors Trust Series</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:11pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Model Portfolios,Investment Divisions and Asset Allocation Models available with IPR(for policies issued before May 1, 2018)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 1 – Choose Your Own Investment Divisions</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:28pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Asset Allocation Categories:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category A:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">30</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">100</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category A </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Intermediate Bond Fund</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Floating Rate</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Bond Index Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Investment Grade Bond Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay Strategic Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Income Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT International Bond Port (U.S. Dollar-Hedged)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP U.S. Government Money Market</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Low Duration Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS The Bond Fund of America</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Short-Term Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Capital World Bond Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS U.S. Government Securities Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Western Asset Core Plus VIT Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> High Yield V.I. Fund</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Emerging Markets Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category B:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">0</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">70</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category B Funds</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP American Century Sustainable Equity</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Asset Allocation Fund</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Balanced</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Growth Fund</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Conservative Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Epoch U.S. Equity Yield</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Global Allocation V.I. Fund</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Equity Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BNY Mellon Sustainable U.S. Equity Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Fidelity Institutional AM</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Utilities</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Growth Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Hedge Multi-Strategy</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Income Builder</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP FundsManager</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> 60% Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Janus Henderson Balanced</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div 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style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative Model Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington 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style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Winslow Large Cap Growth</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Investors Trust Series</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">AB VPS Relative Value Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Voya Growth and Income</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category C:</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">0</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"><span style="font-family:Arial;font-size:9pt;width:17.01pt;">10</span></div> <div style="display:flex;"><span style="font-family:Arial;font-size:9pt;width:auto;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Category C Funds</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;white-space:nowrap;width:27.01pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:15.01pt;"> <div style="display:flex;margin-right:auto;width:17.01pt;"> <div style="display:flex;white-space:nowrap;width:17.01pt;"> </div></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:247.49pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:auto;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Top;width:247.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP CBRE Global Infrastructure</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Natural Resources</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PineStone International Equity</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Small Cap Growth</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Small Cap</span></div> 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style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Health Care Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP International Index Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco V.I. 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Main Street Small Cap Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Enterprise Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Global Research Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Macquarie VIP Small Cap Value Series</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Mid Cap Value Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research International Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Morgan Stanley VIF U.S. Real Estate Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Neuberger Berman AMT Mid Cap Growth Portfolio</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Principal VC Real Estate Securities</span></div> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Putnam VT International Value</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 2 – Franklin Templeton Model Portfolios</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Aggressive</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderate</span></div></div></td></tr> <tr style="height:23pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:26.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:234.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Aggressive Model </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:29.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:231.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderate Model Portfolio</span></div></div></td></tr> <tr style="height:18pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:261.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Conservative</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:261.00pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Conservative (only available for 20-year holding period)</span></div></div></td></tr> <tr style="height:22pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:26.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:234.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Moderately Conservative Model </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:29.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">100%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:231.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Templeton Conservative Model Portfolio</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Option 3 - Asset Allocation Models (subject to availability)</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-style:italic;font-weight:bold;margin-left:0%;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Aggressive</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderate</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Bond Index Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Investors Trust Series</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Investors Trust Series</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">ClearBridge Variable Appreciation Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PineStone International Equity</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS New World Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS New World Fund</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span></div></div></td></tr> <tr style="height:11pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> International Intrinsic Value Portfolio</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Conservative</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Conservative</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT International Bond Port (U.S. Dollar-Hedged)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Bond Index Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay U.S. Infrastructure Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Bond Index Portfolio</span></div></div></td></tr> <tr style="height:11pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP</span><span style="font-family:Arial;font-size:9pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:522pt;"> <tr style="height:21pt;"> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:3pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Moderately Conservative</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:261.00pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Conservative</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">6%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP PIMCO Real Return</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO VIT International Bond Port (U.S. Dollar-Hedged)</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">7%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP MacKay High Yield Corporate Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Columbia Variable Portfolio — Emerging Markets Bond</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP S&amp;P 500 Index</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">4%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> High Yield V.I. Fund</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Investors Trust Series</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">4%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> Research Series</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> VIP Equity-Income Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">American Funds IS Washington Mutual Investors Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">SM</span><div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:11pt;"> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:21.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:239.99pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">MainStay VP Wellington Mid Cap</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:24.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:3pt;vertical-align:Top;width:236.99pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true true 2019-05-01 0.0200 0.0115 0.0200 0.0100 0.0150 0.0085 0.0150 0.0070 0.0150 0.0060 0.0150 0.0050 0.0150 0.0060 2019-05-01 2024-04-30 0.0200 0.0110 0.0200 0.0100 0.0200 0.0090 0.0150 0.0080 0.0150 0.0070 0.0150 0.0060 0.0150 0.0050 0.0150 0.0060 0.0200 0.0110 0.0200 0.0100 0.0200 0.0090 0.0150 0.0080 0.0150 0.0070 0.0150 0.0060 0.0150 0.0050 0.0150 0.0060