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style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:14.929759704251387%"></td> <td style="height:1px;background-color:#D8D8D8;;width:28.295748613678377%"></td> <td style="height:1px;background-color:#D8D8D8;;width:28.295748613678377%"></td> <td style="height:1px;background-color:#D8D8D8;;width:28.478743068391868%"></td> </tr> <tr> <td colspan="4" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="font: 10pt Arial, Helvetica, sans-serif; background-color: #D8D8D8; padding: 1pt 2pt 0; align: center; text-align: center; margin-top: 0pt; margin-bottom: 0"><span style="padding-left:0pt;"><span style="padding-left: 0pt"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Important Information You Should Consider About the Contract</b></span></span></span> </div> </td> </tr> <tr> <td colspan="4" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="font: 10pt Arial, Helvetica, sans-serif; background-color: #D8D8D8; padding: 1pt 2pt 0; align: center; text-align: center; margin-top: 0pt; margin-bottom: 0"><span style="padding-left:0pt;"><span style="padding-left: 0pt"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fees, Expenses, and Adjustments</b></span></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Are there Charges </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or Adjustments for </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Early Withdrawals?</span></span></div> </div> </td> <td colspan="3" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:4pt;margin-left:0pt;"><i>Surrender Charges:</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If you withdraw money from the Contract within </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">6</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> years following your Contract Issue Date, you may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assessed a surrender charge. The maximum surrender charge is </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">8.0%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> applied against Account Value being withdrawn, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a surrender charge may be assessed up to 6 years after the Issue Date of your Contract. If you make an early withdrawal, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you could pay a surrender charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$8,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> on a $100,000 withdrawal. Losses from surrender charges will be greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">if there are also negative Interim Value adjustments, taxes, or tax penalties.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:4pt;margin-left:0pt;"><i>Interim Value Adjustments:</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If all or a portion of Account Value is removed from an Index Strategy before the end of the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term, we will apply an Interim Value adjustment, which may be negative. In extreme circumstances, you could lose </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">up to 100% of your investment in an Index Strategy due to a negative Interim Value adjustment. For example, if you allocate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$100,000 to an Index Strategy with a 3-year Strategy Term and later make a withdrawal before the 3 years have ended, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">could lose your $100,000 investment. Losses from negative Interim Value adjustments will be greater if you also have to pay </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a surrender charge, taxes or tax penalties. An Interim Value adjustment will apply upon any withdrawal, death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment, transfer, Annuitization, Benefit charge or surrender that occurs during an Index Strategy Term other than on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Start Date or Index Strategy End Date.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on surrender charges and Interim Value adjustments, please refer to the “</span><a href="#ref_chapter_5-sect1_1_51056_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fee Table</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” and</span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> “</span></a><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Adjustments</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” sections of this prospectus.</span></div> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Are there </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Transaction </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges?</span></span></div> </div> </td> <td colspan="3" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition to surrender charges and Interim Value adjustments, you may also be charged for additional copies of reports. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information, please refer to the “</span><a href="#ref_chapter_5-sect1_1_51056_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fee Table</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” and “</span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges and Adjustments</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” sections of this prospectus.</span></div> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:14.929759704251387%"></td> <td style="height:1px;background-color:#D8D8D8;;width:28.295748613678377%"></td> <td style="height:1px;background-color:#D8D8D8;;width:28.295748613678377%"></td> <td style="height:1px;background-color:#D8D8D8;;width:28.478743068391868%"></td> </tr> <tr> <td colspan="4" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="padding-left: 0pt"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Important Information You Should Consider About the Contract</b></span></span></span> </div> </td> </tr> <tr> <td colspan="4" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="padding-left: 0pt"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fees, Expenses, and Adjustments </b></span></span></span> </div> </td> </tr> <tr> <td colspan="1" rowspan="9" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Are there Ongoing </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fees and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expenses?</span></span></div> </div> </td> <td colspan="3" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes </b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The table below describes the fees and expenses that you may pay each year, depending on the investment options you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">based on the options you have elected.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>There is an implicit ongoing fee on the Index Strategies to the extent that an Index Strategy’s Cap Rate, Spread, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Participation Rate, or Step Rate, as applicable, limit the positive Index Return used in calculating the Index Credit </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>that may be applied to an Index Strategy at the end of an Index Strategy Term. This means that your returns may be </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>lower than the Index Return. In return for accepting this limit on Index gains, you will receive some protection from </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index losses. This implicit ongoing fee is not reflected in the tables below.</b></span></div> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Minimum</b></span></div> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Maximum</b></span></div> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Base Contract Fees</b></span></div> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.20%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽¹⁾</span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.45%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽²⁾</span></div> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.30%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽¹⁾</span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.45%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽²⁾</span></div> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio Company fees and </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>expenses</b></span></div> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.57%</span></div> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.57%</span></div> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Optional benefits available for an </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>additional charge</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(for a single optional benefit, if elected)</span></div> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div> </div> </td> </tr> <tr> <td colspan="3" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:justify;text-align:justify;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽¹⁾</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Insurance Charge: A percentage of the net assets of the Variable Option. For Purchase Payments equal to or greater than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$1,000,000 the charge will be 1.20%.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽²⁾</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index Linked Variable Income Benefit charge. A percentage of the Account Value. The Benefit is included upon issuance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the Contract. The Benefit may be cancelled after three years. If it is cancelled the Benefit charge will no longer apply.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cost of owning your Contract, the following table shows the lowest and highest cost you could pay </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:4pt;margin-left:0pt;"><i>each year</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, based on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current charges. This estimate assumes that you do not take withdrawals from the Contract, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>which could add surrender </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>charges and negative Interim Value adjustments that substantially increase costs.</b></span></div> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Lowest Annual Cost</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>$3,406</b></span></div> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Highest Annual Cost</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>$3,406</b></span></div> </div> </td> <td colspan="1" style="background-color:#FFFFFF;;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div></div></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Assumes:</span></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment of $100,000</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5% annual appreciation</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Least expensive Portfolio fees </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and expenses</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Linked Variable Income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit Charge</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No sales charges</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No subsequent Purchase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments, transfers or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals</span></div> </li> </ul></div> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Assumes:</span></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment of $100,000</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5% annual appreciation</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Most expensive Portfolio fees and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expenses</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Linked Variable Income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit Charge</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No sales charges</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No subsequent Purchase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments, transfers or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals</span></div> </li> </ul></div> </div> </td> <td colspan="1" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div></div></div> </td> </tr> <tr> <td colspan="3" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:justify;text-align:justify;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on ongoing fees and expenses, please refer to the “</span><a href="#ref_chapter_5-sect1_1_51056_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fee Table</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” and “</span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges and Adjustments</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">sections of this prospectus.</span></div> </div> </td> </tr> </table></div> <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Are there Charges </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or Adjustments for </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Early Withdrawals?</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:4pt;margin-left:0pt;"><i>Surrender Charges:</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If you withdraw money from the Contract within </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">6</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> years following your Contract Issue Date, you may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assessed a surrender charge. The maximum surrender charge is </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">8.0%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> applied against Account Value being withdrawn, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a surrender charge may be assessed up to 6 years after the Issue Date of your Contract. If you make an early withdrawal, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you could pay a surrender charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$8,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> on a $100,000 withdrawal. Losses from surrender charges will be greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">if there are also negative Interim Value adjustments, taxes, or tax penalties.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:4pt;margin-left:0pt;"><i>Interim Value Adjustments:</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If all or a portion of Account Value is removed from an Index Strategy before the end of the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term, we will apply an Interim Value adjustment, which may be negative. In extreme circumstances, you could lose </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">up to 100% of your investment in an Index Strategy due to a negative Interim Value adjustment. For example, if you allocate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$100,000 to an Index Strategy with a 3-year Strategy Term and later make a withdrawal before the 3 years have ended, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">could lose your $100,000 investment. Losses from negative Interim Value adjustments will be greater if you also have to pay </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a surrender charge, taxes or tax penalties. An Interim Value adjustment will apply upon any withdrawal, death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment, transfer, Annuitization, Benefit charge or surrender that occurs during an Index Strategy Term other than on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Start Date or Index Strategy End Date.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on surrender charges and Interim Value adjustments, please refer to the “</span><a href="#ref_chapter_5-sect1_1_51056_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fee Table</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” and</span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> “</span></a><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Adjustments</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” sections of this prospectus.</span></div> 6 0.08 8000 <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Are there </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Transaction </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges?</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition to surrender charges and Interim Value adjustments, you may also be charged for additional copies of reports. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information, please refer to the “</span><a href="#ref_chapter_5-sect1_1_51056_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fee Table</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” and “</span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges and Adjustments</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” sections of this prospectus.</span></div> <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Are there Ongoing </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fees and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expenses?</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes </b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The table below describes the fees and expenses that you may pay each year, depending on the investment options you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">based on the options you have elected.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>There is an implicit ongoing fee on the Index Strategies to the extent that an Index Strategy’s Cap Rate, Spread, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Participation Rate, or Step Rate, as applicable, limit the positive Index Return used in calculating the Index Credit </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>that may be applied to an Index Strategy at the end of an Index Strategy Term. This means that your returns may be </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>lower than the Index Return. In return for accepting this limit on Index gains, you will receive some protection from </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index losses. This implicit ongoing fee is not reflected in the tables below.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Minimum</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Maximum</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Base Contract Fees</b></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.20%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽¹⁾</span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.45%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽²⁾</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.30%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽¹⁾</span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.45%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽²⁾</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio Company fees and </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>expenses</b></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.57%</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.57%</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Optional benefits available for an </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>additional charge</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(for a single optional benefit, if elected)</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽¹⁾</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Insurance Charge: A percentage of the net assets of the Variable Option. For Purchase Payments equal to or greater than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$1,000,000 the charge will be 1.20%.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽²⁾</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index Linked Variable Income Benefit charge. A percentage of the Account Value. The Benefit is included upon issuance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the Contract. The Benefit may be cancelled after three years. If it is cancelled the Benefit charge will no longer apply.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cost of owning your Contract, the following table shows the lowest and highest cost you could pay </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:4pt;margin-left:0pt;"><i>each year</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, based on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current charges. This estimate assumes that you do not take withdrawals from the Contract, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>which could add surrender </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>charges and negative Interim Value adjustments that substantially increase costs.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Lowest Annual Cost</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>$3,406</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Highest Annual Cost</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>$3,406</b></span></div><div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Assumes:</span></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment of $100,000</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5% annual appreciation</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Least expensive Portfolio fees </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and expenses</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Linked Variable Income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit Charge</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No sales charges</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No subsequent Purchase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments, transfers or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals</span></div> </li> </ul></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Assumes:</span></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment of $100,000</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5% annual appreciation</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Most expensive Portfolio fees and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expenses</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Linked Variable Income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit Charge</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No sales charges</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No subsequent Purchase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments, transfers or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals</span></div> </li> </ul></div><div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on ongoing fees and expenses, please refer to the “</span><a href="#ref_chapter_5-sect1_1_51056_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fee Table</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” and “</span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges and Adjustments</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">sections of this prospectus.</span></div> 0.012 0.0145 0.013 0.0145 0.0057 0.0057 0 0 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽¹⁾</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Insurance Charge: A percentage of the net assets of the Variable Option. For Purchase Payments equal to or greater than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$1,000,000 the charge will be 1.20%.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽²⁾</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index Linked Variable Income Benefit charge. A percentage of the Account Value. The Benefit is included upon issuance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the Contract. The Benefit may be cancelled after three years. If it is cancelled the Benefit charge will no longer apply.</span> 3406 3406 <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risks</b></span></span></div><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Is there a Risk of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loss from Poor </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Performance?</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can lose money by investing in the Contract.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Under an Index Strategy, the maximum amount of loss that you could experience from negative Index performance </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>at the end of an Index Strategy Term, after taking into account the current limits on Index loss provided under the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract, is: 95% loss for a 5% Buffer; 90% loss for a 10% Buffer; 85% loss for a 15% Buffer; 80% loss for a 20% </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Buffer; 70% loss for a 30% Buffer; or 0% loss for a 100% Buffer</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. The Company does not guarantee that the Contract will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">always offer Index Strategies that limit Index losses, which would mean a risk of loss of the entire amount invested.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on the risk of loss, please refer to the “</span><a href="#ref_chapter_6-sect1_1_51058_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Principal Risks of Investing in the Contract</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” section of this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prospectus.</span></div><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Is this a Short-Term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment?</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>No</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract is designed to provide benefits on a long-term basis. Because of the long-term nature of the Contract, you should </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consider whether the Contract is consistent with your financial situation and objectives.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Amounts withdrawn from the Contract may result in surrender charges, taxes and tax penalties. In addition, removing </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts from an Index Strategy prior to the Index Strategy End Date may result in a negative Interim Value adjustment and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">loss of positive Index performance.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Removing a portion of amounts in an Index Strategy prior to the Index Strategy End Date will also result in an immediate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduction to your Index Strategy Base. The Index Strategy Base will be proportionately reduced, and the proportionate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduction could be greater than the amount removed. Reductions to your Index Strategy Base will result in lower Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Values for the remainder of the Index Strategy Term and less positive Index Credit (if any) on the Index Strategy End Date.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">At the end of an Index Strategy Term, amounts in the matured Index Strategy will be reallocated, withdrawn or otherwise </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">processed according to your instructions. You must provide instructions for reallocation by the Index Anniversary Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">corresponding to the Index Strategy End Date. In the absence of instructions, if the same Index Strategy is available, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts in the matured Index Strategy will be automatically re-invested in the same Index Strategy for a new Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Term. During the Savings Stage, if the same Index Strategy is no longer available, amounts in the matured Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will be automatically transferred to the Variable Option. Amounts in the Variable Option may be transferred to an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy on the next Index Anniversary Date. During the Income Stage, if the same Index Strategy is no longer available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and we have no additional instructions, amounts in the matured Index Strategy will be automatically transferred into the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy with, in order of priority, the shortest Index Strategy Term, the highest Buffer, and the lowest Cap Rate.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on the short-term investment risks, please refer to the “</span><a href="#ref_chapter_6-sect1_1_51058_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Principal Risks of Investing in the Contract</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">,” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“</span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges and Adjustments</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” and “</span><a href="#ref_chapter_9-sect1_1_643980_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">General Description of Contracts - Transfer and Reallocation Guidelines</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” sections of this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prospectus.</span></div><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">What are the Risks </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Associated with the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Options?</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the investment options available under the Contract, including the Index Strategies and the Variable Option. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each investment option has its own unique risks. You should review the investment options before making an investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">decision.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For the Index Strategies:</span></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Cap Rate, Spread, Participation Rate or Step Rate, as applicable, may limit positive Index Credits (i.e., limited </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">upside). This may result in you earning less than the Index Return. For example:</span> </div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'○';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:40pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap Index Strategy. Assuming a Cap Rate of 5% and an Index Return of 10% (which is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater than the Cap Rate), we will apply a 5% Index Credit at the end of the Index Strategy Term.</span> </div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'○';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:40pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index Strategy. Assuming a Spread of 2%, Cap Rate of 15% and Index Return of 18% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(which is greater than the Cap Rate plus the Spread), we will apply a 15% Index Credit at the end of the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term. If the Index Return is instead 10% (which is less than the Cap Rate plus the Spread), we will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">deduct the Spread from the Index Return and apply an 8% Index Credit at the end of the Index Strategy Term. If </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Return is instead 1% (which is greater than zero but less than the Spread), the Index Credit would be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%.</span> </div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'○';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:40pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate Plus Index Strategy. Assume the Step Rate is 4% and the Participation Rate is 60%. If the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return is 5%, we will apply the Step Rate to calculate the Index Credit because the Step Rate (4%) is greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">than the Index Return multiplied by the Participation Rate (5% x 60% = 3%). The Index Credit at the end of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Term will be 4%. If the Index Return is instead 10%, we will apply the Participation Rate rather </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">than the Step Rate because the Index Return multiplied by the Participation Rate (10% x 60% = 6%) will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater than the Step Rate (4%). The Index Credit at the end of the Index Strategy Term will be 6%.</span> </div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'○';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:40pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index Strategy. Assuming a Cap Rate of 4% and an Index Return of 8% (which is greater than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Cap Rate), we will apply a 4% Index Credit at the end of the Index Strategy Term.</span> </div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Buffer may limit negative Index Credits (i.e., limited protection in the case of market decline). For example, if the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return is -25% and the Buffer is 10%, we will apply a -15% Index Credit (the amount of negative Index Return </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that exceeds the Buffer) at the end of the Index Strategy Term.</span> </div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There may be losses due to surrender charges, negative Interim Value adjustments, and taxes and tax penalties.</span> </div> </li> </ul></div><div><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index performance is on a “price return” basis, not a “total return” basis, and therefore does not reflect dividends paid on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">securities composing the Index. In addition, if the Index is an exchange-traded fund (ETF), the ETF deducts fees and costs </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that reduce Index performance. These factors will reduce the Index Return and will cause the Index to underperform a direct </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment in the securities composing the Index. </span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For more information on the risks associated with investment options, please refer to the “</b></span><a href="#ref_chapter_6-sect1_1_51058_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Principal Risks of </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investing in the Contract,</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” “</b></span><a href="#ref_chapter_7-sect1_4_51060_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Options</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” and “</b></span><a href="#ref_chapter_18-sect1_1_51133_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix A</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” sections of this prospectus.</b></span></div><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">What are the Risks </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Related to the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insurance </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company?</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategies), guarantees, or benefits are subject to the claims-paying ability of the Company. More information about the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company, including its financial strength ratings, is available upon request. Such requests can be made toll-free at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-888-PRU-2888.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on the insurance company risks, please refer to the “</span><a href="#ref_chapter_6-sect1_1_51058_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Principal Risks of Investing in the Contract</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">section of this prospectus.</span></div> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can lose money by investing in the Contract.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Under an Index Strategy, the maximum amount of loss that you could experience from negative Index performance </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>at the end of an Index Strategy Term, after taking into account the current limits on Index loss provided under the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract, is: 95% loss for a 5% Buffer; 90% loss for a 10% Buffer; 85% loss for a 15% Buffer; 80% loss for a 20% </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Buffer; 70% loss for a 30% Buffer; or 0% loss for a 100% Buffer</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. The Company does not guarantee that the Contract will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">always offer Index Strategies that limit Index losses, which would mean a risk of loss of the entire amount invested.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on the risk of loss, please refer to the “</span><a href="#ref_chapter_6-sect1_1_51058_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Principal Risks of Investing in the Contract</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” section of this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prospectus.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>No</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract is designed to provide benefits on a long-term basis. Because of the long-term nature of the Contract, you should </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consider whether the Contract is consistent with your financial situation and objectives.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Amounts withdrawn from the Contract may result in surrender charges, taxes and tax penalties. In addition, removing </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts from an Index Strategy prior to the Index Strategy End Date may result in a negative Interim Value adjustment and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">loss of positive Index performance.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Removing a portion of amounts in an Index Strategy prior to the Index Strategy End Date will also result in an immediate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduction to your Index Strategy Base. The Index Strategy Base will be proportionately reduced, and the proportionate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduction could be greater than the amount removed. Reductions to your Index Strategy Base will result in lower Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Values for the remainder of the Index Strategy Term and less positive Index Credit (if any) on the Index Strategy End Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">At the end of an Index Strategy Term, amounts in the matured Index Strategy will be reallocated, withdrawn or otherwise </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">processed according to your instructions. You must provide instructions for reallocation by the Index Anniversary Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">corresponding to the Index Strategy End Date. In the absence of instructions, if the same Index Strategy is available, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts in the matured Index Strategy will be automatically re-invested in the same Index Strategy for a new Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Term. During the Savings Stage, if the same Index Strategy is no longer available, amounts in the matured Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will be automatically transferred to the Variable Option. Amounts in the Variable Option may be transferred to an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy on the next Index Anniversary Date. During the Income Stage, if the same Index Strategy is no longer available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and we have no additional instructions, amounts in the matured Index Strategy will be automatically transferred into the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy with, in order of priority, the shortest Index Strategy Term, the highest Buffer, and the lowest Cap Rate.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on the short-term investment risks, please refer to the “</span><a href="#ref_chapter_6-sect1_1_51058_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Principal Risks of Investing in the Contract</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">,” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“</span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges and Adjustments</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” and “</span><a href="#ref_chapter_9-sect1_1_643980_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">General Description of Contracts - Transfer and Reallocation Guidelines</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” sections of this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prospectus.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the investment options available under the Contract, including the Index Strategies and the Variable Option. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each investment option has its own unique risks. You should review the investment options before making an investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">decision.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For the Index Strategies:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Cap Rate, Spread, Participation Rate or Step Rate, as applicable, may limit positive Index Credits (i.e., limited </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">upside). This may result in you earning less than the Index Return. For example:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap Index Strategy. Assuming a Cap Rate of 5% and an Index Return of 10% (which is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater than the Cap Rate), we will apply a 5% Index Credit at the end of the Index Strategy Term.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index Strategy. Assuming a Spread of 2%, Cap Rate of 15% and Index Return of 18% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(which is greater than the Cap Rate plus the Spread), we will apply a 15% Index Credit at the end of the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term. If the Index Return is instead 10% (which is less than the Cap Rate plus the Spread), we will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">deduct the Spread from the Index Return and apply an 8% Index Credit at the end of the Index Strategy Term. If </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Return is instead 1% (which is greater than zero but less than the Spread), the Index Credit would be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate Plus Index Strategy. Assume the Step Rate is 4% and the Participation Rate is 60%. If the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return is 5%, we will apply the Step Rate to calculate the Index Credit because the Step Rate (4%) is greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">than the Index Return multiplied by the Participation Rate (5% x 60% = 3%). The Index Credit at the end of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Term will be 4%. If the Index Return is instead 10%, we will apply the Participation Rate rather </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">than the Step Rate because the Index Return multiplied by the Participation Rate (10% x 60% = 6%) will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater than the Step Rate (4%). The Index Credit at the end of the Index Strategy Term will be 6%.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index Strategy. Assuming a Cap Rate of 4% and an Index Return of 8% (which is greater than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Cap Rate), we will apply a 4% Index Credit at the end of the Index Strategy Term.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Buffer may limit negative Index Credits (i.e., limited protection in the case of market decline). For example, if the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return is -25% and the Buffer is 10%, we will apply a -15% Index Credit (the amount of negative Index Return </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that exceeds the Buffer) at the end of the Index Strategy Term.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There may be losses due to surrender charges, negative Interim Value adjustments, and taxes and tax penalties.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index performance is on a “price return” basis, not a “total return” basis, and therefore does not reflect dividends paid on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">securities composing the Index. In addition, if the Index is an exchange-traded fund (ETF), the ETF deducts fees and costs </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that reduce Index performance. These factors will reduce the Index Return and will cause the Index to underperform a direct </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment in the securities composing the Index. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For more information on the risks associated with investment options, please refer to the “</b></span><a href="#ref_chapter_6-sect1_1_51058_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Principal Risks of </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investing in the Contract,</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” “</b></span><a href="#ref_chapter_7-sect1_4_51060_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Options</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” and “</b></span><a href="#ref_chapter_18-sect1_1_51133_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix A</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” sections of this prospectus.</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategies), guarantees, or benefits are subject to the claims-paying ability of the Company. More information about the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company, including its financial strength ratings, is available upon request. Such requests can be made toll-free at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-888-PRU-2888.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on the insurance company risks, please refer to the “</span><a href="#ref_chapter_6-sect1_1_51058_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Principal Risks of Investing in the Contract</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">section of this prospectus.</span> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There are restrictions that may limit the investment options that you may choose, and there are limitations on the transfer of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value among investment options.</span></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value may be transferred to an Index Strategy, or among Index Strategies, only on an Index Strategy End </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Date.</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value in the Variable Option may be transferred to an Index Strategy only on an Index Anniversary Date.</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">During the Savings Stage, Account Value transferred from an Index Strategy to the Variable Option prior to the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy End Date will result in an Interim Value adjustment, which may be negative.</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">During the Income Stage, no Index Strategies are available other than the 1-year Point-to-Point with Cap, 1-year Dual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Directional, 1-year Step Rate Plus, and 1-year Enhanced Cap Rate* Index Strategies. The Variable Option is not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available during the Income Stage.</span></div> </li> </ul></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We reserve the right to:</span></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Remove or substitute Portfolios and close the Variable Option;</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Add or remove Index Strategies (there is no guarantee that any Index Strategy will be available in the future);</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Change the features of an Index Strategy from one Index Strategy Term to the next, including the Index, Cap Rate, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Spread, Participation Rate, Step Rate, and Buffer, as applicable, subject to any minimum guarantees; and</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Substitute the Index of an Index Strategy during its Index Strategy Term.</span></div> </li> </ul></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not accept any additional Purchase Payments under the Contract.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We may impose limitations on an investment professional’s or investment advisor’s ability to request financial transactions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on your behalf.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Enhanced Cap Rate Index Strategies are only available on annuities with an Application Sign Date on or after July 1, 2024.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Certain Investment Options may not be available through certain financial intermediaries. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See </b></span><a href="#ref_chapter_24-sect1_1_923444_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix G</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>, “Financial </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Intermediary Variations” and the </b></span><a href="#ref_chapter_1-sect1_1_51048_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cover Page</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> for additional information</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For more information on investment and transfer restrictions, please refer to the “</b></span><a href="#ref_chapter_6-sect1_1_51058_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Principal Risks of Investing in the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>,” “</b></span><a href="#ref_chapter_7-sect1_4_51060_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Options,</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” “</b></span><a href="#ref_chapter_9-sect1_1_643980_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>General Description of Contracts - Transfer and Reallocation Guidelines</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>,” “</b></span><a href="#ref_chapter_7-sect1_3_748673_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>W</b></span></a><a href="#ref_chapter_7-sect1_3_748673_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>hat </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>are the Separate Accounts?</b></span></a><a href="#ref_chapter_7-sect1_3_748673_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>,” “</b></span></a><a href="#ref_chapter_9-sect1_8_51104_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Financial Professional Permission to Forward Transaction Instructions</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” and </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>“</b></span><a href="#ref_chapter_18-sect1_1_51133_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix A</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” sections of this prospectus.</b></span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There are restrictions and limitations relating to benefits offered under the Contract (e.g., Index Linked Variable Income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit, Death Benefit). </span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For the Index Linked Variable Income Benefit:</span></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Contract is automatically issued with the Index Linked Variable Income Benefit, with an additional charge. You </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cannot voluntarily terminate the Benefit (and its charge) until after your 3rd Contract Year.</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Withdrawals may not begin until the Income Stage. You can elect to begin the Income Stage only on an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Anniversary Date after the Waiting Period.</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Excess Income may affect the availability of the Benefit by reducing it by an amount greater than the value withdrawn </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and could terminate the Benefit and the Contract.</span></div> </li> </ul></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For the Performance Lock:</span></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Performance Lock is only available during the Savings Stage and is not available during the Income Stage.</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We reserve the right to limit the use of the Performance Lock feature for certain Index Strategies.</span></div> </li> </ul></div><div> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We may discontinue the use of this feature for future Performance Lock requests at any time.</span></div> </li> </ul></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals may significantly reduce the Death Benefit, perhaps by more than the amount withdrawn.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on the benefits under the Contract, please refer to the “</span><a href="#ref_chapter_11-sect1_1_51066_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefits Available Under the Contract</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“</span><a href="#ref_chapter_9-sect1_6_749610_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Performance Lock</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” sections of this prospectus.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Certain Contract Benefits may not be available through certain financial intermediaries. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See </b></span><a href="#ref_chapter_24-sect1_1_923444_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix G</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>, “Financial </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Intermediary Variations” and the </b></span><a href="#ref_chapter_1-sect1_1_51048_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cover Page</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> for additional information</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should consult with a tax professional to determine the tax implications of an investment in and payments received </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under the Contract. There is no additional tax benefit if you purchase the Contract through a tax-qualified plan or individual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">retirement account “(IRA)”. Withdrawals will be subject to ordinary income tax, and may be subject to a 10% additional tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for distributions taken prior to age 59½.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on tax implications, please refer to the “</span><a href="#ref_chapter_14-sect1_1_643988_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Taxes</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” section of this prospectus.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment professionals may receive compensation for selling the Contract to investors and may have a financial incentive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to offer or recommend the Contract over another investment. This compensation is paid in the form of commissions, based </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on the amount of your investment in the Contract.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on investment professional compensation, please refer to the Statement of Additional Information.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some investment professionals may have a financial incentive to offer you an annuity in place of the one you already own. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should only exchange your contract if you determine after comparing the features, fees, and risks of both contracts, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any fees or penalties to terminate the existing contract, that it is preferable to purchase the new contract, rather than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">continue to own your existing contract.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information on commissions and exchanges, please refer to the Statement of Additional Information.</span></div> <div><span style="text-transform:uppercase;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;text-transform:uppercase;;"><b>FEE TABLE</b></span></span><hr style="color:#000000;width:100%;float:center;text-align:center;size:2px;background-color:#000000;height:1px;"/></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The following tables describe the fees, expenses, and adjustments that you will pay when buying, owning, and surrendering or making </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>withdrawals from an investment option or from the Contract. Please refer to your Contract specifications page for information about the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>specific fees you will pay each year based on the options you have elected.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from an </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>investment option or from the Contract, or transfer Account Value between investment options. State premium taxes may also be deducted. </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>These fees and charges are described in more detail within this prospectus in the “</b></span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Charges and Adjustments</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” section.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Annuities with an Application Sign Date on or prior to June 30, 2024.</span></div><div><div> <table cellspacing="0" style="width:86.50646950092421%;cellspacing:0; border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:6.746765249537894%"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:69.91452991452991%"></td> <td style="height:1px;background-color:#D8D8D8;;width:30.08547008547009%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Transaction Expenses</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Sales Charge Imposed on Purchases</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Deferred Sales Charge (as a percentage applied against Account Value being withdrawn)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">7.00%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Transfer Fee</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Additional Copies of Reports</span></span> </div> </td> <td colspan="1" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$50</span></div> </td> </tr> </table></div></div> <table style="padding-top:5pt;margin-left:calc(6.746765249537894% - 0.5%);width:86.50646950092421%;"> <tr> <td style="width:2%;vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:6pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">1.</span></td> <td style="padding-bottom:0pt;padding-top:-10.02pt;padding-left:2pt;padding-right:0pt;"><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Withdrawal Charges in subsequent years*</span></td> </tr> </table><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:2pt;padding-top:0pt;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:5%"></td> <td style="height:1px;width:2%"></td> <td style="height:1px;width:5%"></td> <td style="height:1px;width:44%"></td> <td style="height:1px;width:44%"></td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Annuity Year</b></span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Percentage Applied Against Account Value being Withdrawn</b></span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 1</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">7.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 2</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">7.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 3</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">6.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 4</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">5.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 5</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">4.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 6</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">3.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 7 or later</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">0.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="4" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">* The years referenced in the CDSC table above refer to the years since Issue Date. During the years that a CDSC may apply, you may withdraw 10% of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Purchase Payment during the first Contract Year and 10% of the Account Value as of the previous Contract Anniversary Date after the first Contract Year without </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">the application of any CDSC (Free Withdrawal Amount). CDSCs are waived on Income Withdrawals equal to or less than the Annual Income Amount under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Benefit, as well as RMD withdrawals, even if the withdrawal exceeds the Free Withdrawal Amount available. However, even if CDSCs do not apply, all withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">may be subject to negative Interim Value adjustments, taxes, and tax penalties.</span></div> </td> </tr> </table></div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Annuities with an Application Sign Date on or after July 1, 2024.</span></div><div><div> <table cellspacing="0" style="width:86.50646950092421%;cellspacing:0; border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:6.746765249537894%"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:69.91452991452991%"></td> <td style="height:1px;background-color:#D8D8D8;;width:30.08547008547009%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Transaction Expenses</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Sales Charge Imposed on Purchases</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Deferred Sales Charge (as a percentage applied against Account Value being withdrawn)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">8.00%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Transfer Fee</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Additional Copies of Reports</span></span> </div> </td> <td colspan="1" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$50</span></div> </td> </tr> </table></div></div> <table style="padding-top:5pt;margin-left:calc(6.746765249537894% - 0.5%);width:86.50646950092421%;"> <tr> <td style="width:2%;vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:6pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">1.</span></td> <td style="padding-bottom:0pt;padding-top:-10.02pt;padding-left:2pt;padding-right:0pt;"><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Withdrawal Charges in subsequent years*</span></td> </tr> </table><div> <table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:2pt;padding-top:0pt;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:5%"></td> <td style="height:1px;width:2%"></td> <td style="height:1px;width:5%"></td> <td style="height:1px;width:44%"></td> <td style="height:1px;width:44%"></td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Annuity Year</b></span></div> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Percentage Applied Against Account Value being Withdrawn</b></span></div> </div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 1</span></div> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">8.0%</span></div> </div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 2</span></div> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">8.0%</span></div> </div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 3</span></div> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">7.0%</span></div> </div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 4</span></div> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">6.0%</span></div> </div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 5</span></div> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">5.0%</span></div> </div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 6</span></div> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">4.0%</span></div> </div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 7 or later</span></div> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">0.0%</span></div> </div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div> </div></div> </td> <td colspan="4" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">* The years referenced in the CDSC table above refer to the years since Issue Date. During the years that a CDSC may apply, you may withdraw 10% of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Purchase Payment during the first Contract Year and 10% of the Account Value as of the previous Contract Anniversary Date after the first Contract Year wihtout </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">the application of any CDSC (Free Withdrawal Amount). CDSCs are waived on Income Withdrawals equal to or less than the Annual Income Amount under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Benefit, as well as RMD withdrawals, even if the withdrawal exceeds the Free Withdrawal Amount available. However, even if CDSCs do not apply, all withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">may be subject to negative Interim Value adjustments, taxes, and tax penalties.</span></div> </div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Account Value is </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>removed from an Index Strategy before the expiration of an Index Strategy Term.</b></span></div><div><div> <table cellspacing="0" style="width:86.50646950092421%;cellspacing:0; border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:6.746765249537894%"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:69.91452991452991%"></td> <td style="height:1px;background-color:#D8D8D8;;width:30.08547008547009%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Adjustments</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Interim Value Adjustment Maximum Potential Loss (as a percentage of your investment in an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Strategy)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">¹</span></span> </div> </td> <td colspan="1" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">%</span></div> </td> </tr> </table></div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The next table describes the maximum fees and expenses that you will pay each year during the time that you own the Contract (not including </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio fees and expenses). Your current fees and expenses may be less than the maximum.</b></span></div><div><div> <table cellspacing="0" style="width:86.50646950092421%;cellspacing:0; border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:6.746765249537894%"> <tr style="height:1px;"> <td style="height:1px;width:69.91452991452991%;background-color:;"></td> <td style="height:1px;width:14.935897435897438%;background-color:;"></td> <td style="height:1px;width:15.14957264957265%;background-color:;"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Annual Contract Expenses</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Current</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Base Contract</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">¹</span></span><br/><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Linked Variable Income Benefit Charge (as a percentage of the Account Value)</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">1.30%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">²</span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">1.45%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">³</span> </div> </td> <td colspan="1" style="vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">1.30%<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">²</span></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">1.45%<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">³</span></span></div> </td> </tr> </table></div></div><div> <table cellspacing="0" style="padding-top:5pt;margin-left:0%;" width="100%"> <tr> <td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td> <td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:0pt;text-align:left;align:left;vertical-align:top;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition to the fees described above, we limit the amount you can earn on the Index Strategies. This means your Index Credit may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lower than the Index Return. In return for accepting this limit on Index gains, you will receive some protection from Index losses.</span> </div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The next item shows the minimum and maximum total operating expenses charged by the Portfolio that you may pay periodically during the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>time that you own the Annuity. Expenses shown may change over time and may be higher or lower in the future. More information about the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio, including its annual expenses, may be found in “</b></span><a href="#ref_chapter_18_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix A</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>” of this prospectus.</b></span><span></span></div><div><div> <table cellspacing="0" style="width:86.50646950092421%;cellspacing:0; border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:6.746765249537894%"> <tr style="height:1px;"> <td style="height:1px;width:69.91452991452991%;background-color:;"></td> <td style="height:1px;width:14.935897435897438%;background-color:;"></td> <td style="height:1px;width:15.14957264957265%;background-color:;"></td> </tr> <tr> <td colspan="3" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="padding-left:4pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Annual Portfolio Company Expenses</b></span></span></span> </div> </td> </tr> <tr> <td colspan="1" rowspan="2" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">(expenses that are deducted from Portfolio assets, including management fees, distribution and/</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">or service (12b-1) fees, and other expenses)</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;margin-left:4pt;margin-left:0pt;"><i><span style="text-decoration:underline;0.5 #000000 solid baseline 0 1 0">Minimum</span></i></span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;margin-left:4pt;margin-left:0pt;"><i><span style="text-decoration:underline;0.5 #000000 solid baseline 0 1 0">Maximum</span></i></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">0.57</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">%</span></div> </td> <td colspan="1" style="vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">0.57</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">%</span></div> </td> </tr> </table></div></div> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Annuities with an Application Sign Date on or prior to June 30, 2024.</span><div> <table cellspacing="0" style="width:86.50646950092421%;cellspacing:0; border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:6.746765249537894%"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:69.91452991452991%"></td> <td style="height:1px;background-color:#D8D8D8;;width:30.08547008547009%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Transaction Expenses</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Sales Charge Imposed on Purchases</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Deferred Sales Charge (as a percentage applied against Account Value being withdrawn)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">7.00%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Transfer Fee</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Additional Copies of Reports</span></span> </div> </td> <td colspan="1" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$50</span></div> </td> </tr> </table></div> 0 0.07 0 50 <div> <table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:2pt;padding-top:0pt;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:5%"></td> <td style="height:1px;width:2%"></td> <td style="height:1px;width:5%"></td> <td style="height:1px;width:44%"></td> <td style="height:1px;width:44%"></td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Annuity Year</b></span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Percentage Applied Against Account Value being Withdrawn</b></span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 1</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">7.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 2</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">7.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 3</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">6.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 4</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">5.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 5</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">4.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 6</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">3.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="2" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 7 or later</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">0.0%</span></div> </td> </tr> <tr> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="4" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">* The years referenced in the CDSC table above refer to the years since Issue Date. During the years that a CDSC may apply, you may withdraw 10% of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Purchase Payment during the first Contract Year and 10% of the Account Value as of the previous Contract Anniversary Date after the first Contract Year without </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">the application of any CDSC (Free Withdrawal Amount). CDSCs are waived on Income Withdrawals equal to or less than the Annual Income Amount under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Benefit, as well as RMD withdrawals, even if the withdrawal exceeds the Free Withdrawal Amount available. However, even if CDSCs do not apply, all withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">may be subject to negative Interim Value adjustments, taxes, and tax penalties.</span></div> </td> </tr> </table></div> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Annuities with an Application Sign Date on or after July 1, 2024.</span><div> <table cellspacing="0" style="width:86.50646950092421%;cellspacing:0; border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:6.746765249537894%"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:69.91452991452991%"></td> <td style="height:1px;background-color:#D8D8D8;;width:30.08547008547009%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Transaction Expenses</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Sales Charge Imposed on Purchases</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Deferred Sales Charge (as a percentage applied against Account Value being withdrawn)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">8.00%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Transfer Fee</span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;">None</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Additional Copies of Reports</span></span> </div> </td> <td colspan="1" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$50</span></div> </td> </tr> </table></div> 0 0.08 0 50 <div> </div><div> </div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Annuity Year</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Percentage Applied Against Account Value being Withdrawn</b></span></div><div> </div><div> </div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 1</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">8.0%</span></div><div> </div><div> </div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 2</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">8.0%</span></div><div> </div><div> </div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 3</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">7.0%</span></div><div> </div><div> </div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 4</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">6.0%</span></div><div> </div><div> </div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 5</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">5.0%</span></div><div> </div><div> </div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 6</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">4.0%</span></div><div> </div><div> </div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year 7 or later</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">0.0%</span></div><div> </div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">* The years referenced in the CDSC table above refer to the years since Issue Date. During the years that a CDSC may apply, you may withdraw 10% of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Purchase Payment during the first Contract Year and 10% of the Account Value as of the previous Contract Anniversary Date after the first Contract Year wihtout </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">the application of any CDSC (Free Withdrawal Amount). CDSCs are waived on Income Withdrawals equal to or less than the Annual Income Amount under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Benefit, as well as RMD withdrawals, even if the withdrawal exceeds the Free Withdrawal Amount available. However, even if CDSCs do not apply, all withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">may be subject to negative Interim Value adjustments, taxes, and tax penalties.</span></div> <div> <table cellspacing="0" style="width:86.50646950092421%;cellspacing:0; border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:6.746765249537894%"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:69.91452991452991%"></td> <td style="height:1px;background-color:#D8D8D8;;width:30.08547008547009%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Adjustments</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Interim Value Adjustment Maximum Potential Loss (as a percentage of your investment in an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Strategy)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">¹</span></span> </div> </td> <td colspan="1" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">%</span></div> </td> </tr> </table></div> 1 <div> <table cellspacing="0" style="width:86.50646950092421%;cellspacing:0; border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:6.746765249537894%"> <tr style="height:1px;"> <td style="height:1px;width:69.91452991452991%;background-color:;"></td> <td style="height:1px;width:14.935897435897438%;background-color:;"></td> <td style="height:1px;width:15.14957264957265%;background-color:;"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Annual Contract Expenses</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Current</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Base Contract</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">¹</span></span><br/><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Linked Variable Income Benefit Charge (as a percentage of the Account Value)</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">1.30%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">²</span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">1.45%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">³</span> </div> </td> <td colspan="1" style="vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">1.30%<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">²</span></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">1.45%<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7pt;;">³</span></span></div> </td> </tr> </table></div> 0.013 0.0145 0.013 0.0145 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Mortality and expense risk charge and administration charge (as a percentage of the net assets of the Variable Option)</span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">For Net Purchase Payments equal to or greater than $1,000,000 the charge will be 1.20%.</span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">The Benefit is included upon issuance of the Contract. The Benefit may be cancelled after three years. If it is cancelled the Benefit charge will no longer apply.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition to the fees described above, we limit the amount you can earn on the Index Strategies. This means your Index Credit may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lower than the Index Return. In return for accepting this limit on Index gains, you will receive some protection from Index losses.</span> <div> <table cellspacing="0" style="width:86.50646950092421%;cellspacing:0; border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:6.746765249537894%"> <tr style="height:1px;"> <td style="height:1px;width:69.91452991452991%;background-color:;"></td> <td style="height:1px;width:14.935897435897438%;background-color:;"></td> <td style="height:1px;width:15.14957264957265%;background-color:;"></td> </tr> <tr> <td colspan="3" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="padding-left:4pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Annual Portfolio Company Expenses</b></span></span></span> </div> </td> </tr> <tr> <td colspan="1" rowspan="2" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">(expenses that are deducted from Portfolio assets, including management fees, distribution and/</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">or service (12b-1) fees, and other expenses)</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;margin-left:4pt;margin-left:0pt;"><i><span style="text-decoration:underline;0.5 #000000 solid baseline 0 1 0">Minimum</span></i></span></span> </div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;margin-left:4pt;margin-left:0pt;"><i><span style="text-decoration:underline;0.5 #000000 solid baseline 0 1 0">Maximum</span></i></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">0.57</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">%</span></div> </td> <td colspan="1" style="vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">0.57</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">%</span></div> </td> </tr> </table></div> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">(expenses that are deducted from Portfolio assets, including management fees, distribution and/</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">or service (12b-1) fees, and other expenses)</span></span> 0.0057 0.0057 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Annuities with an Application Sign Date before July 1, 2024.</span> <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you surrender your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$10,515</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$16,662</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$21,888</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you surrender your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$10,515</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$16,662</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$21,888</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div> 10515 16662 21888 36542 <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you annuitize your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$3,406</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$10,379</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$17,569</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you annuitize your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$3,406</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$10,379</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$17,569</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div> 3406 10379 17569 36542 <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you do not surrender your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$3,406</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$10,379</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$17,569</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you do not surrender your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$3,406</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$10,379</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$17,569</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div> 3406 10379 17569 36542 10515 16662 21888 36542 3406 10379 17569 36542 3406 10379 17569 36542 <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you surrender your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$11,530</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$17,709</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$22,968</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you surrender your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$11,530</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$17,709</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$22,968</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div> 11530 17709 22968 36542 <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you annuitize your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$3,406</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$10,379</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$17,569</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you annuitize your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$3,406</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$10,379</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$17,569</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div> 3406 10379 17569 36542 <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you do not surrender your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$3,406</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$10,379</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$17,569</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>If you do not surrender your </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Contract at the end of the </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>applicable time period:</b></span></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$3,406</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$10,379</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$17,569</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">$36,542</span></div> 3406 10379 17569 36542 11530 17709 22968 36542 3406 10379 17569 36542 3406 10379 17569 36542 <div><span style="text-transform:uppercase;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;text-transform:uppercase;;"><b>PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</b></span></span><hr style="color:#000000;width:100%;float:center;text-align:center;size:2px;background-color:#000000;height:1px;"/></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The risks identified below are the principal risks of investing in the </b></span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>. The </b></span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> may be subject to additional risks other than those </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>identified and described in this prospectus.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risk of Loss</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You could lose money by investing in the Contract, including your principal investment. An investment in the Contract is not a deposit with a bank and is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Buffer Risk</b></span></div><div><span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You take the investment risk for amounts allocated to one or more Index Strategies since the Index Credit is based upon the performance of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">associated Index. You could lose a significant amount of money if the Index declines in value. We limit the negative Index Return used in calculating </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Credit applied to an Index Strategy at the end of its Index Strategy Term through a Buffer. The Buffer is the amount of protected negative Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return. Any negative Index Return in excess of the Buffer reduces the Account Value allocated to the Index Strategy (i.e., the protection from negative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index performance is limited). You bear the risk of the negative Index Return in excess of the Buffer you choose. In the case of a multi-year Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term, losses are measured over the entire Index Strategy Term from the Index Strategy Start Date to the Index Strategy End Date and may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exceed the Buffer levels associated with the Index Strategy. Sustained negative Index Returns may result in zero or negative Index Credits over multiple </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Terms.</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Under an Index Strategy, the maximum amount of loss that you could experience from negative Index performance at the end of an Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Strategy Term, after taking into account the current limits on Index loss provided under the Contract, is: 95% loss for a 5% Buffer; 90% loss </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>for a 10% Buffer; 85% loss for a 15% Buffer; 80% loss for a 20% Buffer; 70% loss for a 30% Buffer or 0% loss for a 100% Buffer.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The Company </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">does not guarantee that the Contract will always offer Index Strategies that limit Index losses, which would mean risk of loss of the entire amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">invested.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cap Rate Risk</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect a Point-to-Point with Cap Rate or Enhanced Cap Rate Index Strategy, a positive Index Credit may be limited by the applicable Cap Rate, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which means that your Index Credit could be lower than the Index Return. The Cap Rate exists for the full term of the Index Strategy. Cap Rates, upon </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">renewal, may be higher or lower than the initial Cap Rate but will never be less than the Guaranteed Minimum Cap Rate. Renewal Cap Rates may differ </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the Cap Rates used for new Contract contracts or for other Contract contracts issued at different times. No Index Strategy guarantees a positive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Credit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect a Dual Directional Index Strategy, a positive Index Return may be limited by the applicable Cap Rate. However, if the Index Return is negative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and is within or equal to the Buffer, then the Index Credit would not be limited by the applicable Cap Rate. Cap Rates for the Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy will be equal to or lower than the Cap Rate in the Point to Point with Cap Rate Index Strategy.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cap Rates will never be less than the Guaranteed Minimum Cap Rates. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The Guaranteed Minimum Cap Rate equals 1.00% for a one-year Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Strategy Term, 5.00% for a three-year Index Strategy Term and 10.00% for a six-year Index Strategy Term.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Cap Rates for new Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Terms are declared at our discretion, subject to applicable guarantees. You bear the risk that we will not declare a Cap Rate above the Guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Step Rate Plus Risk</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect a Step Rate Plus Index Strategy, a positive Index Credit may be limited by the applicable Step Rate or Participation Rate, which means that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Index Credit could be lower than the Index Return. The Step Rate and Participation Rate exist for the full term of the Index Strategy. Step Rates and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rates, upon renewal, may be higher or lower than the initial Step Rate or Participation Rate but will never be less than the Guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Step Rate and Guaranteed Minimum Participation Rate, respectively. Renewal Step Rates or Participation Rates may differ from the Step </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rates or Participation Rates used for new Contract contracts or for other Contract contracts issued at different times. No Index Strategy guarantees a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">positive Index Credit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Step Rate Plus Index Strategies, the Guaranteed Minimum Step Rate equals 1% and the Guaranteed Minimum Participation Rate equals </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>60%.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Step Rates and Participation Rates for new Index Strategy Terms are declared at our discretion, subject to applicable guarantees. You bear the risk </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that we will not declare a Step Rate or Participation Rae above the guaranteed minimum.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Tiered Participation Rate Risk</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect a Tiered Participation Rate Index Strategy, a positive Index Credit will be calculated using the applicable 1st Tier Participation Rate, 2nd Tier </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rate, and Tier Level. If the Index Return does not exceed the Tier Level, the 2nd Tier Participation Rate will not apply to any portion of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return. The 1st Tier Participation Rate, 2nd Tier Participation Rate, and Tier Level exist for the full term of the Index Strategy. Participation Rates </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Tier Levels, upon renewal, may be higher or lower than the initial Participation Rates or Tier Level but will never be less than the Guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation Rate or Guaranteed Maximum Tier Level, respectively. Renewal Participation Rates and Tier Levels may differ from the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rates and Tier Levels used for new Contract contracts or for other Contract contracts issued at different times. No Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guarantees a positive Index Credit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Tiered Participation Rate Index Strategies, the Guaranteed Minimum Participation Rate equals 100% and the Guaranteed Maximum Tier </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Level equals 35%.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Participation Rates for new Index Strategy Terms are declared at our discretion, subject to applicable guarantees. You bear the risk </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that we will not declare a Participation Rate above the guaranteed minimum, or a Tier Level below the guaranteed maximum.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risks Associated with the Indices</b></span></div><div><span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Because the S&amp;P 500</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index, MSCI EAFE Index, Invesco QQQ ETF, iShares Russell 2000 ETF, AB 500 Plus Index and Dimensional International </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus Index are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. Market </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fluctuations can result from disasters and other events, such as storms, earthquakes, fires, outbreaks of infectious diseases (such as COVID -19), utility </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">failures, terrorist acts, political and social developments, and military and governmental actions. In addition, the value of equity securities may increase or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">decline for reasons directly related to the issuers of the securities. Equity markets are subject to the risk that the value of the securities may fall due to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">general market and economic conditions. Market volatility may exist with these Indices, which means that the value of the Indices can change </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dramatically over a short period of time in either direction. When you allocate to an Index Strategy that is linked to the performance of one of the Indices, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you are not investing in the Index or in the securities composing the Index.</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each Index is subject to additional risks, including the following:</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The S&amp;P 500</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index is subject to risks associated with large-capitalization U.S. companies. In general, large-capitalization companies </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of successful smaller </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">companies.</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The MSCI EAFE Index is subject to risks associated with foreign securities, including emerging markets. International investing involves </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">special risks not found in domestic investing, including political and social differences and currency fluctuations due to economic </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">decisions. Foreign markets can be more volatile than U.S. markets, and emerging markets can be riskier than investing in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">well-established foreign markets. The risks associated with investing on a worldwide basis include differences in the regulation of financial </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">data and reporting, currency exchange differences, as well as economic and political systems differences. The Index is also subject to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risks associated with large-capitalization companies (as described above) and mid-capitalization companies. Generally, the securities of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">mid-capitalization companies can be more volatile and riskier than the securities of large-capitalization companies.</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Invesco QQQ ETF is subject to risks associated with large-capitalization companies and foreign securities (each as described above). </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition, to the extent that the Index is comprised of securities issued by companies in a particular sector, those securities may not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">perform as well as the securities of companies in other sectors or the market as a whole.</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The AB 500 Index is subject to risks associated with large-capitalization U.S. companies and foreign securities, including emerging </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">markets (each as described above).</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Dimensional International Equity Focus Index is subject to risks associated with foreign securities, including emerging markets (as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">described above).</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The iShares Russell 2000 ETF is subject to risks associated with small-capitalization companies. Generally, the securities of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">small-capitalization companies are more volatile and riskier than the securities of large-capitalization companies.</span> </div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you allocate to an Index Strategy that is linked to the performance of an ETF you are not investing in the ETF. Index-based ETFs seek to track the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment results of a specific market index. Due to a variety of factors, including the fees and expenses associated with an ETF, an ETF’s performance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the underlying index. This potential divergence </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">between the ETF and the specific market index is known as tracking error. Although we believe that we will be viewed as the owner of the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for tax purposes, there is no legal guidance to indicate how the IRS might view access to an ETF linked Index Strategy coupled with frequent transfers </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">among investment options.</span></div><div><span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index performance is on a “price return” basis, not a “total return” basis, and therefore does not reflect dividends paid on the securities composing the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index. Also, if the Index is an ETF, the ETF deducts fees and costs that reduce Index performance. These factors will reduce the Index Return and may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cause the Index to underperform a direct investment in the securities composing the Index.</span></span></div><div><span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you allocate to an Index Strategy that is linked to the performance of one of the Indices, you will not have voting rights or rights to receive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dividends or other distributions that direct holders of the securities comprising the Indices have.</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Early Withdrawal Risk</b></span></div><div><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> is not a short-term investment vehicle and is not an appropriate investment for an investor who needs ready access to cash. The </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is designed to provide benefits on a long-term basis. </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Because of the long-term nature of the </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, you should consider whether </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your financial situation and objectives</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span></div><div><span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals under the Contract, including partial withdrawals and a full surrender, may be subject to significant risk. Withdrawals during the first six </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Years may result in surrender charges. Surrender charges do not apply to withdrawals of the Free Withdrawal Amount, Income Withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">equal to or less than the Annual Income Amount under the Benefit, or RMD withdrawals. However, even when surrender charges do not apply, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals may be subject to negative Interim Value adjustments and negative tax consequences. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>In extreme circumstances, the maximum </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>potential loss resulting from a negative Interim Value adjustment is 100% of the amount invested in an Index Strategy.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Withdrawals may also </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduce the value of the Benefit, perhaps significantly. See “Index Linked Variable Income Benefit Risk.”</span></span></div><div><span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An Interim Value adjustment will apply to any withdrawal that occurs during an Index Strategy Term other than on the Index Strategy Start Date or Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy End Date. Similarly, an Interim Value adjustment will apply to a death benefit payment, transfer, Annuitization, or Benefit charge during an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term other than on the Index Strategy Start Date or Index Strategy End Date. A negative Interim Value adjustment will result in loss, which could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be significant. See “Interim Value Risk” below. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>In extreme circumstances, you could lose up to 100% of your investment in an Index Strategy due </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>to a negative Interim Value adjustment.</b></span></span></div><div><span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a portion of Account Value allocated to an Index Strategy is withdrawn or otherwise removed prior to the Index Strategy End Date, there will be an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">immediate reduction to your Index Strategy Base. The reduction will be in a proportion equal to the reduction in your Interim Value. The proportional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduction could be larger than the dollar amount withdrawn or otherwise removed from the Index Strategy. Reductions to your Index Strategy Base will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">negatively impact your Interim Values for the remainder of the Index Strategy Term and will result in a lower positive Index Credit (if any) on the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy End Date.</span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals may significantly reduce the Death Benefit, perhaps by more than the amount withdrawn. If you set up scheduled withdrawals, your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exposure to these risks will repeat as long as the scheduled withdrawals continue.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Interim Value Risk</b></span></div><div><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">To determine the Interim Value, we apply a formula which does not reflect the actual performance of the applicable Index, but rather a determination of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the value of hypothetical underlying investments at the time of the Interim Value calculation. This amount could be more or less than if you had held the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy for the full Index Strategy Term. It also means that you could have a negative performance, even if the value of the Index has increased at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the time of the calculation. All withdrawals from an Index Strategy, including death benefit payments, transfers, Income Withdrawals, Excess Income, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuitization, Benefit charges and surrenders paid before the Index Strategy End Date will be based on the Interim Value. Withdrawals, partial transfers, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Benefit charges before an Index Strategy End Date could have adverse impacts even if the value of the Index has increased at the time of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calculation because an early withdrawal will not allow you to participate in the Index Return for the Index Strategy Term with your entire Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Base. If you withdraw, transfer a portion out of, or we process a Benefit charge from Account Value allocated to an Index Strategy, the withdrawal, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transfer, or Benefit charge will cause an immediate reduction to your Index Strategy Base in a proportion equal to the reduction in your Interim Value. A </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">proportional reduction may be larger than the dollar amount of your withdrawal, transfer, or Benefit charge even if the value of the Index has increased. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">See “</span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Risk” above</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for additional information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risks Associated with </b></span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>a Performance Lock</b></span><span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a Performance Lock is executed:</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You will no longer participate in Index Strategy performance, positive or negative, for the remainder of the existing Index Strategy Term for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the “locked” Index Strategy.</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You will not receive Index Credit on any “locked” Index Strategy on the Index Strategy End Date. As a result, you may receive less than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the full Index Credit, or less than the full protection of the Buffer, than you would have received if you waited for us to apply the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit on the Index Strategy End Date.</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We use the Performance Lock Value calculated at the end of the current Valuation Day on the Performance Lock Date to execute your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Performance Lock. This means you will not be able to determine in advance your Performance Lock Value, and it may be higher or lower </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">than it was at the point in time you requested a manual Performance Lock, or that your Index Strategy reached its target for an automatic </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Performance Lock.</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a Performance Lock is executed when your Performance Lock Value has declined, you will lock in any loss. It is possible that you would </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the Index Strategy was not “locked</span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">”</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will not warn you if you exercise a Performance Lock at a sub-optimal time. We are not responsible for any losses related to your decision </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">whether or not to exercise a Performance Lock.</span> </div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Transfer Risk</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Contract imposes significant limitations on the transfer of Account Value among investment options. Account Value may be transferred to an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy, or among Index Strategies, only on an Index Strategy End Date. Account Value in the Variable Option may be transferred to an Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">only on an Index Anniversary Date. These limitations restrict your ability to reallocate Account Value in reaction to changes in market conditions.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value in the Variable Option may be transferred to an Index Strategy only on an Index Anniversary Date. You may have to wait up to one year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before you have an opportunity to transfer Account Value from the Variable Option to the Index Strategies. If you fail to request a transfer from the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Variable Option on an Index Anniversary Date, the next transfer opportunity will be in one year on the next Index Anniversary Date.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">During the Savings Stage, the Contract permits transfers of Account Value from an Index Strategy to the Variable Option prior to the Index Strategy End </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Date. Any such transfer will be based on the Interim Value of the Index Strategy (an “Interim Value Transfer”) and will therefore be subject to an Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value adjustment. If you perform an Interim Value Transfer, and the Interim Value adjustment is negative, you will experience a loss, which could be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significant. The Index Strategy’s Buffer, Cap Rate, Spread, Participation Rate(s), or Step Rate, as applicable, will not apply. There will be no Index Credit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applied to amounts removed from an Index Strategy prior to the Index Strategy End Date. At the time you request an Interim Value Transfer, you will not </span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">know the applicable Interim Value because Interim Value is calculated at the end of a Valuation Day. The Interim Value applicable to the Interim Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Transfer could be lower than you anticipated. During the Income Stage, Interim Value Transfers are not permitted. Account Value in an Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may be transferred to the Variable Option only on an Index Strategy End Date.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Availability of Index Strategies will vary over time</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Before allocating to an Index Strategy, you should determine the Index Strategies, Buffers, Cap Rates, Spreads, Participation Rates and Step Rates </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available to you. We reserve the right to change the Indices, Buffers, and limits on Index Gains at any time for new Strategy Terms, subject to applicable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guarantees. We reserve the right to add or remove Index Strategies. There is no guarantee that an Index Strategy will be available in the future. You </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">should make sure the Index Strategies you select are appropriate for your investment goals. During the Income Stage, we will limit the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">allocation options available.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Reallocation of Index Strategies</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">At the end of an Index Strategy Term for an Index Strategy, the amount allocated to that Index Strategy will be reallocated based upon your instructions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">we received in Good Order, or if none has been received in Good Order, automatically renew into the same Index Strategy unless the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">End Date would be after the Maximum Contract Date. During the Saving Stage, if the same Index Strategy is no longer available, the amount will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transferred into the Holding Account, and the amount may be transferred into another Index Strategy on the next Index Anniversary Date. During the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Stage, if the current Index Strategy is no longer available and we have no additional instructions, we will automatically transfer these amounts </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">into the Index Strategy with, in order of priority, the shortest Strategy Term, the highest Buffer, and the lowest Cap Rate. You must provide instructions for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reallocation by the Index Anniversary Date.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Substitution of an Index</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We have the right to substitute a comparable index prior to the Index Strategy End Date if any Index is discontinued or if the calculation of an Index is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">substantially changed (such as a material change in the formula or method of calculating the Index). We would attempt to choose a substitute index that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">has a similar investment objective and risk profile to the replaced index and would notify you of any such substitutions. Upon substitution of an Index, we </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will calculate your Index Return on the replaced Index up until the date of substitution and the substitute Index from the date of substitution to the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy End Date. An Index substitution will not change your Index Strategy. The performance of the new Index may not be as good as the one that it </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">substituted and as a result your Index Return may have been better if there had been no substitution. When we notify you of any substitution of an Index, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">we will also inform you of the potential impacts to your Index Credit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index Linked Variable Income Benefit Risk</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Benefit is automatically included in your Contract for an additional charge, but you cannot remove it until the Waiting Period has elapsed. If you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">remove the Benefit before Income Withdrawals begin, you will have paid for the Benefit without receiving any of its advantages. Additionally, if you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">remove the Benefit, you cannot re-elect it at any point in the future. You will begin paying Benefit charges immediately rather than the date that you begin </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">taking Income Withdrawals. You could pay Benefit charges for many years before you begin taking Income Withdrawals. Benefit charges will reduce your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns, if any, from investing in the Index Strategies. Benefit charges deducted prior to an Index Strategy End Date will result in an Interim Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjustment, which may be negative.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should carefully weigh the advantages of the Benefit against its additional charge and in light of the market downside protections that are already </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">provided by the Index Strategies. Income Withdrawals are taken from your own Account Value until it is reduced to zero. If your Account Value is never </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduced to zero for a reason other than Excess Income, our payment obligations under the Benefit will never be triggered. There may be minimal chance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under the Benefit of outliving your Account Value and receiving lifetime payments from us. There is no guarantee that the Benefit will meet your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">retirement income needs or that you will realize any financial benefit. The Benefit’s lifetime income guarantees are subject to terms and conditions that, if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not followed, could result in significant reductions to or termination of the Benefit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There are restrictions on when you can begin taking Income Withdrawals under the Benefit. Income Withdrawals may not begin until the Income Stage. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can elect to begin the Income Stage only on an Index Anniversary Date after the Waiting Period. The election is irrevocable. You should carefully </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consider when to enter the Income Stage. The Benefit has an Income Deferral Rate feature that increases the Income Percentage each year until the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Stage begins. There is no way to know when you should enter the Income Stage with certainty. On one hand, the longer you wait to enter the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Stage and begin taking Income Withdrawals, the less time you have to take advantage of the Benefit because as time passes, your life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expectancy is reduced. On the other hand, the longer you wait to enter the Income Stage, the more you may benefit from the Income Deferral Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">feature. Withdrawals prior to the Income Stage (i.e., during the Savings Stage) will reduce the Benefit, perhaps significantly, because your future Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Amount will be calculated using a lower Account Value upon entering the Income Stage. During the Income Stage, no Index Strategies are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available other than the 1-year Point-to-Point with Cap, 1-Year Dual Directional, 1-year Step Rate Plus, and 1-year Enhanced Cap Rate* Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategies.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Once you enter the Income Stage, all withdrawals count against your Annual Income Amount. Withdrawals up to your Annual Income Amount will not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduce your Benefit for future Contract Years and will not be subject to surrender charges but may be subject to negative Interim Value adjustments and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">negative tax consequences. Any withdrawals, including any applicable surrender charges, in excess of the Annual Income Amount will be Excess </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income. Excess Income will reduce the value of your Benefit for future Contract Years, perhaps significantly. Each withdrawal of Excess Income, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including any applicable surrender charges, proportionally reduces the Annual Income Amount that will be used in the recalculation of the Annual Income </span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Amount on the next Index Anniversary Date. The proportional reduction is the ratio of the Excess Income to the Account Value immediately following the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal of any applicable Income Withdrawal amount and prior to the withdrawal of the Excess Income. Withdrawals of Excess Income may also be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subject to negative Interim Value adjustments and negative tax consequences. If your Account Value is reduced to zero as a result of Excess Income, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit and the Contract will terminate immediately.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">On the Income Effective Date, we base your initial income payment under the Benefit on the Income Percentage you receive at issue increased by the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Deferral Credit and your Account Value. Decreases in Account Value due to negative Index performance, deductions for Insurance Charges and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expenses, withdrawals and Benefit charges prior to the Income Effective Date will decrease the initial income payment amount available to you. After the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Effective Date, your Annual Income Amount can increase or decrease based on the Index Credits associated with your chosen Index Strategies. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">As such, your Annual Income Amount may fluctuate up or down from one Contract Year to the next even if you do not take Excess Income.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">All benefits from the Accumulation Period terminate once the Contract has been Annuitized, including the Benefit. We base Income Withdrawals on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lifetime of a Protected Life or Joint Protected Lives designated at issue. If you change Owners or Beneficiary(s), we may terminate the Benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prematurely.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Enhanced Cap Rate Index Strategies are only available on annuities with an Application Sign Date on or after July 1, 2024.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risks of Investing in a Variable Option</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You take all the investment risk for amounts allocated to the Variable Option, which invests in the Portfolio. If the Variable Option increases in value, then </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Account Value goes up; if it decreases in value, your Account Value goes down. How much your Account Value goes up or down depends on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Portfolio. We do not guarantee the investment results of any Portfolio. An investment in the Contract is subject to the risk of poor </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment performance, and the value of your investment can vary depending on the performance of the Portfolio, which has its own unique risks. We </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reserve the right to remove or substitute the Portfolio and close the Variable Option to new investment. The Variable Option is not available during the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Stage.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insurance Company Risk</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No company other than us has any legal responsibility to pay amounts that we owe under the Contract. You should look to our financial strength for our </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">claims-paying ability. Amounts allocated to the Index Strategies are held in a non-registered, non-insulated Index Strategies Separate Account. These </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assets are subject to the claims of our creditors and the benefits provided under the Index Strategies are subject to our claims paying ability.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Company is also subject to risks related to disasters and other events, such as storms, earthquakes, fires, outbreaks of infectious diseases (such as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">COVID-19), utility failures, terrorist acts, political and social developments, and military and governmental actions. These risks are often collectively </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">referred to as “business continuity” risks. These events could adversely affect the Company and our ability to conduct business and process transactions. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Although the Company has business continuity plans, it is possible that the plans may not operate as intended or required and that the Company may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not be able to provide required services, process transactions, deliver documents or calculate values. It is also possible that service levels may decline </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as a result of such events.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Possible Adverse Tax Consequences</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The tax considerations associated with the Contract vary and can be complicated. The tax considerations discussed in this prospectus are general in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Before making a Purchase Payment or taking other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">action related to your Contract, you should consult with a qualified tax advisor for complete information and advice. For example, distributions from your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract are generally subject to ordinary income taxation on the amount of any investment gain unless the distribution qualifies as a non-taxable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exchange or transfer. In addition, if you take a distribution prior to the taxpayer’s age 59½, you may be subject to a 10% additional tax in addition to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ordinary income taxes on any gain.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>No Additional Purchase Payments</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Contract is a single premium product. After the Purchase Payment is made, no additional purchase payments will be accepted. You will be unable to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increase the value of your Contract or its benefits (including the Index Linked Variable Income Benefit and the Death Benefit) with additional purchase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payments.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cyber Security and Business Continuity Risks</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">With the increasing use of technology and computer systems in general and, in particular, the Internet to conduct necessary business functions, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company is susceptible to operational, information security and related risks. These risks, which are often collectively referred to as “cyber security” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risks, may include deliberate or malicious attacks, as well as unintentional events and occurrences. These risks are heightened by our offering of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increasingly complex products, such as those that feature automatic asset transfer or reallocation strategies, and by our employment of complex </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment, trading and hedging programs. Cyber security is generally defined as the technology, operations and related protocol surrounding and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">protecting a user’s computer hardware, network, systems and applications and the data transmitted and stored therewith. These measures ensure the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reliability of a user’s systems, as well as the security, availability, integrity, and confidentiality of data assets.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Deliberate cyber attacks can include, but are not limited to, gaining unauthorized access (including physical break-ins) to computer systems in order to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">misappropriate and/or disclose sensitive or confidential information; deleting, corrupting or modifying data; and causing operational disruptions. Cyber </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">attacks may also be carried out in a manner that does not require gaining unauthorized access, such as causing denial-of-service attacks on websites (in </span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">order to prevent access to computer networks). In addition to deliberate breaches engineered by external actors, cyber security risks can also result from </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the conduct of malicious, exploited or careless insiders, whose actions may result in the destruction, release or disclosure of confidential or proprietary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information stored on an organization’s systems.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Company is also subject to risks related to disasters and other events, such as storms, earthquakes, fires, outbreaks of infectious diseases (such as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">COVID-19), utility failures, terrorist acts, political and social developments, and military and governmental actions. These risks are often collectively </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">referred to as “business continuity” risks. These events could adversely affect the Company and our ability to conduct business and process transactions. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Although the Company has business continuity plans, it is possible that the plans may not operate as intended or required and that the Company may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not be able to provide required services, process transactions, deliver documents or calculate values. It is also possible that service levels may decline </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as a result of such events.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cyber security events, disasters and similar events, whether deliberate or unintentional, that could impact the Company and Contract owners could arise </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not only in connection with our own administration of the Annuity, but also with entities operating the Annuity’s Portfolios and with third-party service </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">providers. Cyber security and other events affecting any of the entities involved with the offering and administration of the Annuity may cause significant </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">disruptions in the business operations related to the Annuity. Potential impacts may include, but are not limited to, potential financial losses under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity, your inability to conduct transactions under the Annuity and/or with respect to a Portfolio, an inability to calculate unit values with respect to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity and/or the net asset value (“NAV”) with respect to a Portfolio, and disclosures of your personal or confidential account information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition to direct impacts to you, cyber security and other events described above may result in adverse impacts to the Company, including regulatory </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">inquiries, regulatory proceedings, regulatory and/or legal and litigation costs, and reputational damage. Costs incurred by the Company may include </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reimbursement and other expenses, including the costs of litigation and litigation settlements and additional compliance costs. Considerable expenses </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">also may be incurred by the Company in enhancing and upgrading computer systems and systems security following a cyber security failure or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">responding to a disaster or similar event. The rapid proliferation of technologies, as well as the increased sophistication and activities of organized crime, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">hackers, terrorists, and others continue to pose new and significant cyber security threats. In addition, the global spread of COVID-19 has caused the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company and its service providers to implement business continuity plans, including widespread use of work-from-home arrangements. Although the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company, our service providers, and the Portfolios offered under the Annuity may have established business continuity plans and risk management </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">systems to mitigate risks, there can be no guarantee or assurance that such plans or systems will be effective, or that all risks that exist, or may develop </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the future, have been completely anticipated and identified or can be protected against. Furthermore, the Company cannot control or assure the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">efficacy of the cyber security and business continuity plans and systems implemented by third-party service providers, the Portfolios, and the issuers in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which the Portfolios invest.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The military invasion of Ukraine initiated by Russia in February 2022 and the resulting response by the United States and other countries have led to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">economic disruptions, as well as increased volatility and uncertainty in the financial markets. It is not possible to predict the ultimate duration and scope </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the conflict, or the future impact on U.S. and global economies and financial markets. The performance of the Index(es) may be adversely affected.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Artificial Intelligence Risk:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> In addition to the cyber security risks described above, the development, adoption and use of AI, including generative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">artificial intelligence (“Generative AI”), by us and by third parties on whom we rely may increase existing operational risks or create new operational risks </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that we are not currently anticipating. AI technologies offer potential benefits in areas such as customer service personalization and process automation, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and we expect to use AI and Generative AI to help deliver products and services and support critical functions. We also expect third parties on whom we </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rely to do the same. There are significant risks involved in developing and deploying AI, and there can be no assurance that its use will enhance our </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">products or services or be beneficial to our business, including our efficiency or profitability. The risk that AI and Generative AI may be misused is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increased by the relative newness of the technology, the speed at which it is being adopted, and the lack of laws, regulations or standards governing its </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">use. Such misuse could expose the Company to legal or regulatory risk, damage customer relationships or cause reputational harm. Further, our ability </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to continue to develop and efficiently deploy AI technologies depends on access to specific third-party equipment and other physical infrastructure, such </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as processing hardware and network capacity, the availability and pricing of which is difficult to control, especially in a highly competitive environment. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Our competitors may also adopt AI or Generative AI more quickly or more effectively than we do, which could cause competitive harm. Because the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Generative AI technology is so new, some of the potential risks of Generative AI are currently unknowable.</span></div> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risk of Loss</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You could lose money by investing in the Contract, including your principal investment. An investment in the Contract is not a deposit with a bank and is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Buffer Risk</b></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You take the investment risk for amounts allocated to one or more Index Strategies since the Index Credit is based upon the performance of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">associated Index. You could lose a significant amount of money if the Index declines in value. We limit the negative Index Return used in calculating </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Credit applied to an Index Strategy at the end of its Index Strategy Term through a Buffer. The Buffer is the amount of protected negative Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return. Any negative Index Return in excess of the Buffer reduces the Account Value allocated to the Index Strategy (i.e., the protection from negative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index performance is limited). You bear the risk of the negative Index Return in excess of the Buffer you choose. In the case of a multi-year Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term, losses are measured over the entire Index Strategy Term from the Index Strategy Start Date to the Index Strategy End Date and may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exceed the Buffer levels associated with the Index Strategy. Sustained negative Index Returns may result in zero or negative Index Credits over multiple </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Terms.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cap Rate Risk</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect a Point-to-Point with Cap Rate or Enhanced Cap Rate Index Strategy, a positive Index Credit may be limited by the applicable Cap Rate, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which means that your Index Credit could be lower than the Index Return. The Cap Rate exists for the full term of the Index Strategy. Cap Rates, upon </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">renewal, may be higher or lower than the initial Cap Rate but will never be less than the Guaranteed Minimum Cap Rate. Renewal Cap Rates may differ </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the Cap Rates used for new Contract contracts or for other Contract contracts issued at different times. No Index Strategy guarantees a positive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Credit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect a Dual Directional Index Strategy, a positive Index Return may be limited by the applicable Cap Rate. However, if the Index Return is negative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and is within or equal to the Buffer, then the Index Credit would not be limited by the applicable Cap Rate. Cap Rates for the Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy will be equal to or lower than the Cap Rate in the Point to Point with Cap Rate Index Strategy.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cap Rates will never be less than the Guaranteed Minimum Cap Rates. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The Guaranteed Minimum Cap Rate equals 1.00% for a one-year Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Strategy Term, 5.00% for a three-year Index Strategy Term and 10.00% for a six-year Index Strategy Term.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Cap Rates for new Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Terms are declared at our discretion, subject to applicable guarantees. You bear the risk that we will not declare a Cap Rate above the Guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Step Rate Plus Risk</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect a Step Rate Plus Index Strategy, a positive Index Credit may be limited by the applicable Step Rate or Participation Rate, which means that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Index Credit could be lower than the Index Return. The Step Rate and Participation Rate exist for the full term of the Index Strategy. Step Rates and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rates, upon renewal, may be higher or lower than the initial Step Rate or Participation Rate but will never be less than the Guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Step Rate and Guaranteed Minimum Participation Rate, respectively. Renewal Step Rates or Participation Rates may differ from the Step </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rates or Participation Rates used for new Contract contracts or for other Contract contracts issued at different times. No Index Strategy guarantees a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">positive Index Credit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Step Rate Plus Index Strategies, the Guaranteed Minimum Step Rate equals 1% and the Guaranteed Minimum Participation Rate equals </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>60%.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Step Rates and Participation Rates for new Index Strategy Terms are declared at our discretion, subject to applicable guarantees. You bear the risk </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that we will not declare a Step Rate or Participation Rae above the guaranteed minimum.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Tiered Participation Rate Risk</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect a Tiered Participation Rate Index Strategy, a positive Index Credit will be calculated using the applicable 1st Tier Participation Rate, 2nd Tier </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rate, and Tier Level. If the Index Return does not exceed the Tier Level, the 2nd Tier Participation Rate will not apply to any portion of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return. The 1st Tier Participation Rate, 2nd Tier Participation Rate, and Tier Level exist for the full term of the Index Strategy. Participation Rates </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Tier Levels, upon renewal, may be higher or lower than the initial Participation Rates or Tier Level but will never be less than the Guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation Rate or Guaranteed Maximum Tier Level, respectively. Renewal Participation Rates and Tier Levels may differ from the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rates and Tier Levels used for new Contract contracts or for other Contract contracts issued at different times. No Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guarantees a positive Index Credit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Tiered Participation Rate Index Strategies, the Guaranteed Minimum Participation Rate equals 100% and the Guaranteed Maximum Tier </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Level equals 35%.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Participation Rates for new Index Strategy Terms are declared at our discretion, subject to applicable guarantees. You bear the risk </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that we will not declare a Participation Rate above the guaranteed minimum, or a Tier Level below the guaranteed maximum.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risks Associated with the Indices</b></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Because the S&amp;P 500</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index, MSCI EAFE Index, Invesco QQQ ETF, iShares Russell 2000 ETF, AB 500 Plus Index and Dimensional International </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus Index are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. Market </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fluctuations can result from disasters and other events, such as storms, earthquakes, fires, outbreaks of infectious diseases (such as COVID -19), utility </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">failures, terrorist acts, political and social developments, and military and governmental actions. In addition, the value of equity securities may increase or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">decline for reasons directly related to the issuers of the securities. Equity markets are subject to the risk that the value of the securities may fall due to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">general market and economic conditions. Market volatility may exist with these Indices, which means that the value of the Indices can change </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dramatically over a short period of time in either direction. When you allocate to an Index Strategy that is linked to the performance of one of the Indices, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you are not investing in the Index or in the securities composing the Index.</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each Index is subject to additional risks, including the following:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The S&amp;P 500</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index is subject to risks associated with large-capitalization U.S. companies. In general, large-capitalization companies </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of successful smaller </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">companies.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The MSCI EAFE Index is subject to risks associated with foreign securities, including emerging markets. International investing involves </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">special risks not found in domestic investing, including political and social differences and currency fluctuations due to economic </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">decisions. Foreign markets can be more volatile than U.S. markets, and emerging markets can be riskier than investing in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">well-established foreign markets. The risks associated with investing on a worldwide basis include differences in the regulation of financial </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">data and reporting, currency exchange differences, as well as economic and political systems differences. The Index is also subject to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risks associated with large-capitalization companies (as described above) and mid-capitalization companies. Generally, the securities of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">mid-capitalization companies can be more volatile and riskier than the securities of large-capitalization companies.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Invesco QQQ ETF is subject to risks associated with large-capitalization companies and foreign securities (each as described above). </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition, to the extent that the Index is comprised of securities issued by companies in a particular sector, those securities may not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">perform as well as the securities of companies in other sectors or the market as a whole.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The AB 500 Index is subject to risks associated with large-capitalization U.S. companies and foreign securities, including emerging </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">markets (each as described above).</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Dimensional International Equity Focus Index is subject to risks associated with foreign securities, including emerging markets (as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">described above).</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The iShares Russell 2000 ETF is subject to risks associated with small-capitalization companies. Generally, the securities of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">small-capitalization companies are more volatile and riskier than the securities of large-capitalization companies.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you allocate to an Index Strategy that is linked to the performance of an ETF you are not investing in the ETF. Index-based ETFs seek to track the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment results of a specific market index. Due to a variety of factors, including the fees and expenses associated with an ETF, an ETF’s performance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the underlying index. This potential divergence </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">between the ETF and the specific market index is known as tracking error. Although we believe that we will be viewed as the owner of the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for tax purposes, there is no legal guidance to indicate how the IRS might view access to an ETF linked Index Strategy coupled with frequent transfers </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">among investment options.</span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index performance is on a “price return” basis, not a “total return” basis, and therefore does not reflect dividends paid on the securities composing the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index. Also, if the Index is an ETF, the ETF deducts fees and costs that reduce Index performance. These factors will reduce the Index Return and may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cause the Index to underperform a direct investment in the securities composing the Index.</span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you allocate to an Index Strategy that is linked to the performance of one of the Indices, you will not have voting rights or rights to receive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dividends or other distributions that direct holders of the securities comprising the Indices have.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Early Withdrawal Risk</b></span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> is not a short-term investment vehicle and is not an appropriate investment for an investor who needs ready access to cash. The </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is designed to provide benefits on a long-term basis. </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Because of the long-term nature of the </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, you should consider whether </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your financial situation and objectives</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals under the Contract, including partial withdrawals and a full surrender, may be subject to significant risk. Withdrawals during the first six </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Years may result in surrender charges. Surrender charges do not apply to withdrawals of the Free Withdrawal Amount, Income Withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">equal to or less than the Annual Income Amount under the Benefit, or RMD withdrawals. However, even when surrender charges do not apply, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals may be subject to negative Interim Value adjustments and negative tax consequences. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>In extreme circumstances, the maximum </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>potential loss resulting from a negative Interim Value adjustment is 100% of the amount invested in an Index Strategy.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Withdrawals may also </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduce the value of the Benefit, perhaps significantly. See “Index Linked Variable Income Benefit Risk.”</span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An Interim Value adjustment will apply to any withdrawal that occurs during an Index Strategy Term other than on the Index Strategy Start Date or Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy End Date. Similarly, an Interim Value adjustment will apply to a death benefit payment, transfer, Annuitization, or Benefit charge during an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term other than on the Index Strategy Start Date or Index Strategy End Date. A negative Interim Value adjustment will result in loss, which could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be significant. See “Interim Value Risk” below. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>In extreme circumstances, you could lose up to 100% of your investment in an Index Strategy due </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>to a negative Interim Value adjustment.</b></span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a portion of Account Value allocated to an Index Strategy is withdrawn or otherwise removed prior to the Index Strategy End Date, there will be an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">immediate reduction to your Index Strategy Base. The reduction will be in a proportion equal to the reduction in your Interim Value. The proportional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduction could be larger than the dollar amount withdrawn or otherwise removed from the Index Strategy. Reductions to your Index Strategy Base will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">negatively impact your Interim Values for the remainder of the Index Strategy Term and will result in a lower positive Index Credit (if any) on the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy End Date.</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals may significantly reduce the Death Benefit, perhaps by more than the amount withdrawn. If you set up scheduled withdrawals, your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exposure to these risks will repeat as long as the scheduled withdrawals continue.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Interim Value Risk</b></span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">To determine the Interim Value, we apply a formula which does not reflect the actual performance of the applicable Index, but rather a determination of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the value of hypothetical underlying investments at the time of the Interim Value calculation. This amount could be more or less than if you had held the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy for the full Index Strategy Term. It also means that you could have a negative performance, even if the value of the Index has increased at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the time of the calculation. All withdrawals from an Index Strategy, including death benefit payments, transfers, Income Withdrawals, Excess Income, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuitization, Benefit charges and surrenders paid before the Index Strategy End Date will be based on the Interim Value. Withdrawals, partial transfers, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Benefit charges before an Index Strategy End Date could have adverse impacts even if the value of the Index has increased at the time of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calculation because an early withdrawal will not allow you to participate in the Index Return for the Index Strategy Term with your entire Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Base. If you withdraw, transfer a portion out of, or we process a Benefit charge from Account Value allocated to an Index Strategy, the withdrawal, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transfer, or Benefit charge will cause an immediate reduction to your Index Strategy Base in a proportion equal to the reduction in your Interim Value. A </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">proportional reduction may be larger than the dollar amount of your withdrawal, transfer, or Benefit charge even if the value of the Index has increased. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">See “</span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Risk” above</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for additional information.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risks Associated with </b></span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>a Performance Lock</b></span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a Performance Lock is executed:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You will no longer participate in Index Strategy performance, positive or negative, for the remainder of the existing Index Strategy Term for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the “locked” Index Strategy.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You will not receive Index Credit on any “locked” Index Strategy on the Index Strategy End Date. As a result, you may receive less than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the full Index Credit, or less than the full protection of the Buffer, than you would have received if you waited for us to apply the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit on the Index Strategy End Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We use the Performance Lock Value calculated at the end of the current Valuation Day on the Performance Lock Date to execute your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Performance Lock. This means you will not be able to determine in advance your Performance Lock Value, and it may be higher or lower </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">than it was at the point in time you requested a manual Performance Lock, or that your Index Strategy reached its target for an automatic </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Performance Lock.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a Performance Lock is executed when your Performance Lock Value has declined, you will lock in any loss. It is possible that you would </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the Index Strategy was not “locked</span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">”</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will not warn you if you exercise a Performance Lock at a sub-optimal time. We are not responsible for any losses related to your decision </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">whether or not to exercise a Performance Lock.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Transfer Risk</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Contract imposes significant limitations on the transfer of Account Value among investment options. Account Value may be transferred to an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy, or among Index Strategies, only on an Index Strategy End Date. Account Value in the Variable Option may be transferred to an Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">only on an Index Anniversary Date. These limitations restrict your ability to reallocate Account Value in reaction to changes in market conditions.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value in the Variable Option may be transferred to an Index Strategy only on an Index Anniversary Date. You may have to wait up to one year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before you have an opportunity to transfer Account Value from the Variable Option to the Index Strategies. If you fail to request a transfer from the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Variable Option on an Index Anniversary Date, the next transfer opportunity will be in one year on the next Index Anniversary Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">During the Savings Stage, the Contract permits transfers of Account Value from an Index Strategy to the Variable Option prior to the Index Strategy End </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Date. Any such transfer will be based on the Interim Value of the Index Strategy (an “Interim Value Transfer”) and will therefore be subject to an Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value adjustment. If you perform an Interim Value Transfer, and the Interim Value adjustment is negative, you will experience a loss, which could be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significant. The Index Strategy’s Buffer, Cap Rate, Spread, Participation Rate(s), or Step Rate, as applicable, will not apply. There will be no Index Credit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applied to amounts removed from an Index Strategy prior to the Index Strategy End Date. At the time you request an Interim Value Transfer, you will not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">know the applicable Interim Value because Interim Value is calculated at the end of a Valuation Day. The Interim Value applicable to the Interim Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Transfer could be lower than you anticipated. During the Income Stage, Interim Value Transfers are not permitted. Account Value in an Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may be transferred to the Variable Option only on an Index Strategy End Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Availability of Index Strategies will vary over time</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Before allocating to an Index Strategy, you should determine the Index Strategies, Buffers, Cap Rates, Spreads, Participation Rates and Step Rates </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available to you. We reserve the right to change the Indices, Buffers, and limits on Index Gains at any time for new Strategy Terms, subject to applicable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guarantees. We reserve the right to add or remove Index Strategies. There is no guarantee that an Index Strategy will be available in the future. You </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">should make sure the Index Strategies you select are appropriate for your investment goals. During the Income Stage, we will limit the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">allocation options available.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Reallocation of Index Strategies</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">At the end of an Index Strategy Term for an Index Strategy, the amount allocated to that Index Strategy will be reallocated based upon your instructions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">we received in Good Order, or if none has been received in Good Order, automatically renew into the same Index Strategy unless the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">End Date would be after the Maximum Contract Date. During the Saving Stage, if the same Index Strategy is no longer available, the amount will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transferred into the Holding Account, and the amount may be transferred into another Index Strategy on the next Index Anniversary Date. During the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Stage, if the current Index Strategy is no longer available and we have no additional instructions, we will automatically transfer these amounts </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">into the Index Strategy with, in order of priority, the shortest Strategy Term, the highest Buffer, and the lowest Cap Rate. You must provide instructions for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reallocation by the Index Anniversary Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Substitution of an Index</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We have the right to substitute a comparable index prior to the Index Strategy End Date if any Index is discontinued or if the calculation of an Index is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">substantially changed (such as a material change in the formula or method of calculating the Index). We would attempt to choose a substitute index that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">has a similar investment objective and risk profile to the replaced index and would notify you of any such substitutions. Upon substitution of an Index, we </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will calculate your Index Return on the replaced Index up until the date of substitution and the substitute Index from the date of substitution to the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy End Date. An Index substitution will not change your Index Strategy. The performance of the new Index may not be as good as the one that it </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">substituted and as a result your Index Return may have been better if there had been no substitution. When we notify you of any substitution of an Index, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">we will also inform you of the potential impacts to your Index Credit.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index Linked Variable Income Benefit Risk</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Benefit is automatically included in your Contract for an additional charge, but you cannot remove it until the Waiting Period has elapsed. If you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">remove the Benefit before Income Withdrawals begin, you will have paid for the Benefit without receiving any of its advantages. Additionally, if you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">remove the Benefit, you cannot re-elect it at any point in the future. You will begin paying Benefit charges immediately rather than the date that you begin </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">taking Income Withdrawals. You could pay Benefit charges for many years before you begin taking Income Withdrawals. Benefit charges will reduce your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns, if any, from investing in the Index Strategies. Benefit charges deducted prior to an Index Strategy End Date will result in an Interim Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjustment, which may be negative.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should carefully weigh the advantages of the Benefit against its additional charge and in light of the market downside protections that are already </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">provided by the Index Strategies. Income Withdrawals are taken from your own Account Value until it is reduced to zero. If your Account Value is never </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduced to zero for a reason other than Excess Income, our payment obligations under the Benefit will never be triggered. There may be minimal chance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under the Benefit of outliving your Account Value and receiving lifetime payments from us. There is no guarantee that the Benefit will meet your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">retirement income needs or that you will realize any financial benefit. The Benefit’s lifetime income guarantees are subject to terms and conditions that, if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not followed, could result in significant reductions to or termination of the Benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There are restrictions on when you can begin taking Income Withdrawals under the Benefit. Income Withdrawals may not begin until the Income Stage. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can elect to begin the Income Stage only on an Index Anniversary Date after the Waiting Period. The election is irrevocable. You should carefully </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consider when to enter the Income Stage. The Benefit has an Income Deferral Rate feature that increases the Income Percentage each year until the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Stage begins. There is no way to know when you should enter the Income Stage with certainty. On one hand, the longer you wait to enter the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Stage and begin taking Income Withdrawals, the less time you have to take advantage of the Benefit because as time passes, your life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expectancy is reduced. On the other hand, the longer you wait to enter the Income Stage, the more you may benefit from the Income Deferral Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">feature. Withdrawals prior to the Income Stage (i.e., during the Savings Stage) will reduce the Benefit, perhaps significantly, because your future Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Amount will be calculated using a lower Account Value upon entering the Income Stage. During the Income Stage, no Index Strategies are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available other than the 1-year Point-to-Point with Cap, 1-Year Dual Directional, 1-year Step Rate Plus, and 1-year Enhanced Cap Rate* Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategies.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Once you enter the Income Stage, all withdrawals count against your Annual Income Amount. Withdrawals up to your Annual Income Amount will not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduce your Benefit for future Contract Years and will not be subject to surrender charges but may be subject to negative Interim Value adjustments and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">negative tax consequences. Any withdrawals, including any applicable surrender charges, in excess of the Annual Income Amount will be Excess </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income. Excess Income will reduce the value of your Benefit for future Contract Years, perhaps significantly. Each withdrawal of Excess Income, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including any applicable surrender charges, proportionally reduces the Annual Income Amount that will be used in the recalculation of the Annual Income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Amount on the next Index Anniversary Date. The proportional reduction is the ratio of the Excess Income to the Account Value immediately following the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal of any applicable Income Withdrawal amount and prior to the withdrawal of the Excess Income. Withdrawals of Excess Income may also be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subject to negative Interim Value adjustments and negative tax consequences. If your Account Value is reduced to zero as a result of Excess Income, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit and the Contract will terminate immediately.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">On the Income Effective Date, we base your initial income payment under the Benefit on the Income Percentage you receive at issue increased by the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Deferral Credit and your Account Value. Decreases in Account Value due to negative Index performance, deductions for Insurance Charges and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expenses, withdrawals and Benefit charges prior to the Income Effective Date will decrease the initial income payment amount available to you. After the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Effective Date, your Annual Income Amount can increase or decrease based on the Index Credits associated with your chosen Index Strategies. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">As such, your Annual Income Amount may fluctuate up or down from one Contract Year to the next even if you do not take Excess Income.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">All benefits from the Accumulation Period terminate once the Contract has been Annuitized, including the Benefit. We base Income Withdrawals on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lifetime of a Protected Life or Joint Protected Lives designated at issue. If you change Owners or Beneficiary(s), we may terminate the Benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prematurely.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Enhanced Cap Rate Index Strategies are only available on annuities with an Application Sign Date on or after July 1, 2024.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risks of Investing in a Variable Option</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You take all the investment risk for amounts allocated to the Variable Option, which invests in the Portfolio. If the Variable Option increases in value, then </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Account Value goes up; if it decreases in value, your Account Value goes down. How much your Account Value goes up or down depends on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Portfolio. We do not guarantee the investment results of any Portfolio. An investment in the Contract is subject to the risk of poor </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment performance, and the value of your investment can vary depending on the performance of the Portfolio, which has its own unique risks. We </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reserve the right to remove or substitute the Portfolio and close the Variable Option to new investment. The Variable Option is not available during the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Stage.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insurance Company Risk</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No company other than us has any legal responsibility to pay amounts that we owe under the Contract. You should look to our financial strength for our </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">claims-paying ability. Amounts allocated to the Index Strategies are held in a non-registered, non-insulated Index Strategies Separate Account. These </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assets are subject to the claims of our creditors and the benefits provided under the Index Strategies are subject to our claims paying ability.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Company is also subject to risks related to disasters and other events, such as storms, earthquakes, fires, outbreaks of infectious diseases (such as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">COVID-19), utility failures, terrorist acts, political and social developments, and military and governmental actions. These risks are often collectively </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">referred to as “business continuity” risks. These events could adversely affect the Company and our ability to conduct business and process transactions. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Although the Company has business continuity plans, it is possible that the plans may not operate as intended or required and that the Company may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not be able to provide required services, process transactions, deliver documents or calculate values. It is also possible that service levels may decline </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as a result of such events.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Possible Adverse Tax Consequences</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The tax considerations associated with the Contract vary and can be complicated. The tax considerations discussed in this prospectus are general in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Before making a Purchase Payment or taking other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">action related to your Contract, you should consult with a qualified tax advisor for complete information and advice. For example, distributions from your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract are generally subject to ordinary income taxation on the amount of any investment gain unless the distribution qualifies as a non-taxable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exchange or transfer. In addition, if you take a distribution prior to the taxpayer’s age 59½, you may be subject to a 10% additional tax in addition to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ordinary income taxes on any gain.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>No Additional Purchase Payments</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Contract is a single premium product. After the Purchase Payment is made, no additional purchase payments will be accepted. You will be unable to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increase the value of your Contract or its benefits (including the Index Linked Variable Income Benefit and the Death Benefit) with additional purchase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payments.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cyber Security and Business Continuity Risks</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">With the increasing use of technology and computer systems in general and, in particular, the Internet to conduct necessary business functions, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company is susceptible to operational, information security and related risks. These risks, which are often collectively referred to as “cyber security” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risks, may include deliberate or malicious attacks, as well as unintentional events and occurrences. These risks are heightened by our offering of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increasingly complex products, such as those that feature automatic asset transfer or reallocation strategies, and by our employment of complex </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment, trading and hedging programs. Cyber security is generally defined as the technology, operations and related protocol surrounding and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">protecting a user’s computer hardware, network, systems and applications and the data transmitted and stored therewith. These measures ensure the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reliability of a user’s systems, as well as the security, availability, integrity, and confidentiality of data assets.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Deliberate cyber attacks can include, but are not limited to, gaining unauthorized access (including physical break-ins) to computer systems in order to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">misappropriate and/or disclose sensitive or confidential information; deleting, corrupting or modifying data; and causing operational disruptions. Cyber </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">attacks may also be carried out in a manner that does not require gaining unauthorized access, such as causing denial-of-service attacks on websites (in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">order to prevent access to computer networks). In addition to deliberate breaches engineered by external actors, cyber security risks can also result from </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the conduct of malicious, exploited or careless insiders, whose actions may result in the destruction, release or disclosure of confidential or proprietary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information stored on an organization’s systems.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Company is also subject to risks related to disasters and other events, such as storms, earthquakes, fires, outbreaks of infectious diseases (such as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">COVID-19), utility failures, terrorist acts, political and social developments, and military and governmental actions. These risks are often collectively </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">referred to as “business continuity” risks. These events could adversely affect the Company and our ability to conduct business and process transactions. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Although the Company has business continuity plans, it is possible that the plans may not operate as intended or required and that the Company may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not be able to provide required services, process transactions, deliver documents or calculate values. It is also possible that service levels may decline </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as a result of such events.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cyber security events, disasters and similar events, whether deliberate or unintentional, that could impact the Company and Contract owners could arise </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not only in connection with our own administration of the Annuity, but also with entities operating the Annuity’s Portfolios and with third-party service </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">providers. Cyber security and other events affecting any of the entities involved with the offering and administration of the Annuity may cause significant </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">disruptions in the business operations related to the Annuity. Potential impacts may include, but are not limited to, potential financial losses under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity, your inability to conduct transactions under the Annuity and/or with respect to a Portfolio, an inability to calculate unit values with respect to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity and/or the net asset value (“NAV”) with respect to a Portfolio, and disclosures of your personal or confidential account information.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition to direct impacts to you, cyber security and other events described above may result in adverse impacts to the Company, including regulatory </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">inquiries, regulatory proceedings, regulatory and/or legal and litigation costs, and reputational damage. Costs incurred by the Company may include </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reimbursement and other expenses, including the costs of litigation and litigation settlements and additional compliance costs. Considerable expenses </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">also may be incurred by the Company in enhancing and upgrading computer systems and systems security following a cyber security failure or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">responding to a disaster or similar event. The rapid proliferation of technologies, as well as the increased sophistication and activities of organized crime, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">hackers, terrorists, and others continue to pose new and significant cyber security threats. In addition, the global spread of COVID-19 has caused the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company and its service providers to implement business continuity plans, including widespread use of work-from-home arrangements. Although the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company, our service providers, and the Portfolios offered under the Annuity may have established business continuity plans and risk management </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">systems to mitigate risks, there can be no guarantee or assurance that such plans or systems will be effective, or that all risks that exist, or may develop </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the future, have been completely anticipated and identified or can be protected against. Furthermore, the Company cannot control or assure the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">efficacy of the cyber security and business continuity plans and systems implemented by third-party service providers, the Portfolios, and the issuers in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which the Portfolios invest.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The military invasion of Ukraine initiated by Russia in February 2022 and the resulting response by the United States and other countries have led to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">economic disruptions, as well as increased volatility and uncertainty in the financial markets. It is not possible to predict the ultimate duration and scope </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the conflict, or the future impact on U.S. and global economies and financial markets. The performance of the Index(es) may be adversely affected.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Artificial Intelligence Risk:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> In addition to the cyber security risks described above, the development, adoption and use of AI, including generative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">artificial intelligence (“Generative AI”), by us and by third parties on whom we rely may increase existing operational risks or create new operational risks </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that we are not currently anticipating. AI technologies offer potential benefits in areas such as customer service personalization and process automation, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and we expect to use AI and Generative AI to help deliver products and services and support critical functions. We also expect third parties on whom we </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rely to do the same. There are significant risks involved in developing and deploying AI, and there can be no assurance that its use will enhance our </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">products or services or be beneficial to our business, including our efficiency or profitability. The risk that AI and Generative AI may be misused is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increased by the relative newness of the technology, the speed at which it is being adopted, and the lack of laws, regulations or standards governing its </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">use. Such misuse could expose the Company to legal or regulatory risk, damage customer relationships or cause reputational harm. Further, our ability </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to continue to develop and efficiently deploy AI technologies depends on access to specific third-party equipment and other physical infrastructure, such </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as processing hardware and network capacity, the availability and pricing of which is difficult to control, especially in a highly competitive environment. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Our competitors may also adopt AI or Generative AI more quickly or more effectively than we do, which could cause competitive harm. Because the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Generative AI technology is so new, some of the potential risks of Generative AI are currently unknowable.</span> true <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Index Strategies Separate Account</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Assets supporting the Index Strategies are held in a non-insulated, non-registered, and non-unitized Index Strategies Separate Account established </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under Arizona law. These assets are subject to the claims of our creditors and the benefits provided under the Index Strategies are subject to our claims </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">paying ability.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An Owner does not have any interest in or claim on the assets in the Index Strategies Separate Account. In addition, neither an Owner nor amounts </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">allocated to the Index Strategies participate in the performance of the assets held in the Index Strategies Separate Account.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We are not obligated to invest according to specific guidelines or strategies except as may be required by Arizona and other state insurance laws. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategies Separate Account is not registered with the SEC under the Investment Company Act.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The General Account:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Our general obligations and any guaranteed benefits under the Annuity are supported by our General Account and are subject to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">our claims paying ability. In the Payout Stage or the Insured Income Stage (if the Benefit is not terminated or cancelled), assets supporting annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payments are held in the General Account. Assets in the General Account are not segregated for the exclusive benefit of any particular contract or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">obligation. General Account assets are also available to our general creditors and for conducting routine business activities, such as the payment of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">salaries, rent and other ordinary business expenses. The General Account is subject to regulation and supervision by the Arizona Department of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insurance and to the insurance laws and regulations of all jurisdictions where we are authorized to do business.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>INVESTMENT OPTIONS</b></span></div><div><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Index-Linked Options</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Contract currently offers multiple Index Strategies. For each Index Strategy, we will credit positive or negative interest (i.e., Index Credit) at the end of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Strategy Term to amounts allocated to the Index Strategy based, in part, on the performance of the Index. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in an Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is not an investment in the Index or in any Index fund. You could lose a significant amount of money if the Index declines in value. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You could also lose a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significant amount of money due to an Interim Value adjustment, if amounts are removed from an Index Strategy prior to the end of the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Term.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Index Credit is the amount you receive on an Index Strategy End Date based on the Index Return and the type of Index Strategy. The Index Credit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may be positive or negative, which means you can lose principal and prior earnings. You must allocate all of your Purchase Payment into one or more </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategies. We do not guarantee the Index Credits for the Index Strategies. There is a risk of loss of your investment because the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will be credited the negative Index Return in excess of the level of protection you selected through the Buffers.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>We currently offer the following Index Strategies: Point-to-Point with Cap, Enhanced Cap Rate, Tiered Participation Rate, Step Rate Plus and </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Dual Directional. These Index Strategies are explained below. </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Information regarding the features of each currently offered Index Strategy, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>including (i) its name, (ii) a brief statement describing the assets that the Index seeks to track, (iii) its Index Strategy Term, (iv) its crediting </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>methodology, (v) its current limit on Index loss, and (vi) its minimum limit on Index gain, is available in </b></span><a href="#ref_chapter_18_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix A</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>.</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We can add or remove Index Strategies and change the features of an Index Strategy from one Strategy Term to the next, including the Index and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current limits on Index gains and losses (subject to any applicable guarantees). Not all Index Strategies will be available with all Indices, Buffers, and in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">all available Index Strategy Terms. As a result of economic market conditions, or utilization of the Index Strategies, we reserve the right to add and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">remove Index Strategies at any time, subject to regulatory requirements and approvals. Additions or removals would be effective with any newly issued </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contracts or upon reallocation for any existing contract holders. Removals would not impact existing contract holders currently allocated to an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy prior to the Index Strategy End Date. You will receive a Reallocation Notice 30 days prior to your Index Anniversary Date. You must provide </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">instructions for reallocation (by any method allowable) by the Index Anniversary Date. The reallocation will be processed on the Index Anniversary Date. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You will be able to make reallocation selections via mail, phone, or through online access. For currently available Options please see our website at </span><a href="DUMMY_967_94_133"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">www.prudential.com/flexguard-income-rates</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span></div><div><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The minimum amount required to allocate to any Index Strategy, upon the Index Effective Date or at the time of renewal into a new Index Strategy is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$2,000. In the event that the Account Value allocated to an Index Strategy falls below $2,000 and is not combined with reallocations from other Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategies on an Index Anniversary Date to meet the $2,000 minimum, these funds will automatically be renewed into the same Index Strategy. There is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">no maximum amount that can be allocated to an Index Strategy. If the same Index Strategy is no longer available, the funds associated with the closed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy will be transferred to the Holding Account, where they may be allocated among the Variable Options or into another Index Strategy on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">next Index Anniversary Date.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Index Strategy Term</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Index Strategy Term is the time period allocated to each Index Strategy. The term begins on the Index Strategy Start Date and ends on the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy End Date. Index Strategy Terms of 1, 3, and 6 years are available and may vary based on the Index Strategy and whether you are in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Savings Stage or the Income Stage of the Benefit. The Index Strategy Start Date begins on the day you allocate funds to any Index Strategy, known as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Effective Date. The annual anniversary of this date is the Index Anniversary Date and will not change for the life of your Contract. You may only </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">allocate to an Index Strategy on an Index Anniversary Date.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Before selecting an Index Strategy for investment, you should consider in consultation with your Financial Professional which Strategy Term lengths may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be appropriate for you based on your liquidity needs, investment time horizon, and financial goals. Investing in Index Strategies with shorter Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Terms will provide more opportunities for Index Credits, transferring Account Value, and withdrawing or otherwise removing amounts without an Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value adjustment. However, assuming the same Index and Buffer, Index Strategies with shorter Strategy Terms generally tend to have less potential for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index gains. Conversely, investing in Index Strategies with longer Strategy Terms will provide fewer opportunities for Index Credits, transferring Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value, and withdrawing or otherwise removing amounts without an Interim Value adjustment; however, assuming the same Index and Buffer, Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategies with longer Strategy Terms generally tend to have more potential for Index gains.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Amounts must remain in an Index Strategy until the end of its Index Strategy Term to be credited with Index Credit and to avoid a possible </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Interim Value adjustment, in addition to potential surrender charges and tax consequences.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> An Interim Value adjustment will apply upon any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal, death benefit payment, transfer, Annuitization, Benefit charge or surrender that occurs during an Index Strategy Term other than on the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Start Date or Index Strategy End Date. An Interim Value adjustment may be positive, negative or equal to zero. A negative Interim Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjustment will result in loss. See the “</span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges and Adjustments</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” section of this prospectus for additional information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Index Return</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We calculate the Index Return for every Index Strategy on a point-to-point basis. The Index Return will be the percentage change in the Index Value from </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Strategy Start Date to the Index Strategy End Date. The Index Return is then used to determine the Index Credit for an Index Strategy. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return is calculated by taking the Index Value on the Index Strategy End Date, minus the Index Value on the Index Strategy Start Date, and then </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dividing the result by the Index Value on the Index Strategy Start Date.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Examples:</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"><span style="vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.</span></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Negative Index Return</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Value at Index Strategy Start Date: 1569</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Value on Index Strategy End Date: 1333</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return: -15% ((1333-1569)/1569)</span> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"><span style="vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.</span></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Positive Index Return </b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Value at Index Strategy Start Date: 1569</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Value on Index Strategy End Date: 1726</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return: 10% ((1726-1569)/1569)</span> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Because we calculate the Index Return by comparing the value of the Index between two specific points in time, the Index Return may be negative or flat </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for the Index Strategy Term as a whole (including a multi-year Strategy Term) even if the Index performed positively for certain periods of time during the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Term.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each Index Strategy references an Index that determines the Index Return used to compute the Index Credit. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>When you allocate to an Index Strategy </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>that is linked to the performance of one of the Indices, you are not investing in the Index.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We currently offer Index Strategies based on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following securities indices:</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:0%;" width="100%"> <tr> <td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:0pt;text-align:left;align:left;vertical-align:top;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>S&amp;P 500</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>®</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> Index, Price Return (SPX):</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The S&amp;P 500</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index is comprised of 500 stocks considered representative of the overall market and is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exclusive of dividends. An index is unmanaged and not available for direct investment.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:5pt;padding-right:2%;padding-left:0%;" width="100%"> <tr> <td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:0pt;text-align:left;align:left;vertical-align:top;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>MSCI EAFE Index, Price Return (MXEA):</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The MSCI EAFE Index measures the equity market performance of 22 developed market country </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">indices located in Europe, Australasia and the Far East and is exclusive of dividends. An index is unmanaged and not available for direct </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:5pt;padding-right:2%;padding-left:0%;" width="100%"> <tr> <td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:0pt;text-align:left;align:left;vertical-align:top;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Invesco QQQ ETF, Price Return (QQQ):</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The Invesco QQQ ETF is an exchange-traded fund that seeks to track the investment results of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">NASDAQ-100 Index</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. The Index includes the 100 largest non-financial companies listed on the Nasdaq</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> based on market cap.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:5pt;padding-right:2%;padding-left:0%;" width="100%"> <tr> <td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:0pt;text-align:left;align:left;vertical-align:top;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>iShares</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>®</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> Russell 2000 ETF, Price Return (IWM):</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The iShares</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF seeks to track the investment results of the Russell</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> 2000 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index, an index composed of small-capitalization U.S. equities. The Russell</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> 2000 Index measures the performance of the small capitalization </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">sector of the U.S. equity market, as defined by FTSE Russell.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:5pt;padding-right:2%;padding-left:0%;" width="100%"> <tr> <td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:0pt;text-align:left;align:left;vertical-align:top;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AB 500 Plus Index</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>, Price Return (ABUSPLS):</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The AB 500 Plus Index</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> is a rules based, allocation index that utilizes the SPDR</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> S&amp;P 500</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ETF Trust as its default allocation. The Index will tactically reallocate to additional US listed equity index ETFs: Invesco QQQ Trust</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, SERIES 1 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ETF, iShares</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF, Shares</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> MSCI EAFE ETF, and iShares</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> MSCI Emerging Markets ETF when our proprietary positioning signals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">indicate that those other equity index ETFs have a higher expected return potential than the default allocation. At all times, the Index is fully </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">allocated to equity index ETFs, with a significant allocation to equity index ETFs that track US listed companies. By following proprietary positioning </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">signals, the Index aims to maintain significant exposure to the SPDR</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> S&amp;P 500</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> ETF Trust, while providing differentiated returns through a tactical </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reallocation process.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:5pt;padding-right:2%;padding-left:0%;" width="100%"> <tr> <td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:0pt;text-align:left;align:left;vertical-align:top;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The rules for calculating the AB 500 Plus Index</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> include an annual 0.75% reduction, which accrues daily, meaning that a small portion of that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduction is included in the published Index Value each day. The reduction is included to aid in setting the cap and participation rates and/or buffer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">levels of the Index Strategy with which the Index is used.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you allocate to an Index Strategy that is linked to the performance of an ETF you are not investing in the ETF. Index-based ETFs seek to track the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment results of a specific market index. Due to a variety of factors, including the fees and expenses associated with an ETF, an ETF’s performance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the underlying index. This potential divergence </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">between the ETF and the specific market index is known as tracking error. Although we believe that we will be viewed as the owner of the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for tax purposes, there is no legal guidance to indicate how the IRS might view access to an ETF linked Index Strategy coupled with frequent transfers </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">among investment options.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Returns for Index Strategies linked to an ETF are based on the closing share price of each respective Index. Because Index performance is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflective of an ETF’s closing price, Index performance is on a “price return” basis, not a “total return” basis, and therefore does not reflect dividends paid </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on the securities in which the ETF invests. In addition, an ETF deducts fees and costs that reduce Index performance. These factors will reduce the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return and may cause the ETF to underperform a direct investment in the ETF or the securities in which the ETF invests.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Returns for Index Strategies linked to a market index are based on the Index Value published at the close of a Valuation Day. Each such Index is a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities composing the Index. This will reduce the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If an Index is discontinued or substantially changes, we reserve the right to select an alternative Index and we will notify you of any such changes. For </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">these purposes, an Index would be substantially changed if an index sponsor announces that it will make a material change in the formula for the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or the method of calculating the Index or in any other way materially modifies the Index. We would attempt to choose a substitute Index that has a similar </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment objective and risk profile to the replaced Index. Upon substitution of an Index, we will calculate your Index Return on the replaced Index up </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">until the date of substitution and the substitute Index from the date of substitution to the Index Strategy End Date. An Index substitution will not change </span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Index Strategy. The performance of the new Index may not be as good as the one that it substituted and as a result your Index Return may have </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">been better if there had been no substitution. When we notify you of any substitution of an Index, we will also inform you of the potential impacts to your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Credit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See </b></span><a href="#ref_chapter_21_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>“Appendix D”</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> for important information about the Indices.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Historical Index Performance</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The bar charts shown below provide each Index’s annual returns for the last 10 calendar years (or for the life of the Index if less than 10 years), as well </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as the Index returns after applying a hypothetical 5% cap and a hypothetical -10% buffer. The charts illustrate the variability of the returns from year to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">year and show how hypothetical limits on Index gains and losses may affect these returns. Past performance is not necessarily an indication of future </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The performance below is NOT the performance of any Index Strategy. Your performance under the Annuity will differ, perhaps significantly. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance below may reflect a different return calculation, time period, and limit on Index gains and losses than the Index Strategies, and does not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflect Annuity fees and charges, including surrender charges or negative Interim Value adjustments, which reduce performance.</span></div><div><br/><br/><img alt="image" src="pr967img001.jpg"/></div><div><br/><br/><img alt="image" src="pr967img002.jpg"/></div><div><br/><br/><img alt="image" src="pr967img003.jpg"/></div><div><br/><br/><img alt="image" src="pr967img004.jpg"/></div><div><br/><br/><img alt="image" src="pr967img005.jpg"/></div><div><br/><br/><img alt="image" src="pr967img006.jpg"/></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Notes Regarding Examples</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Examples set forth below, as well as other Examples found throughout this prospectus, are intended to illustrate how various features of the Annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">work. These Examples should not be considered a representation of past or future performance of any Index Strategies. Actual performance may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater or less than those shown in the Examples. Similarly, the Index Returns in the Examples are not an estimate or guarantee of future Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance. The Caps, Spreads, Participation Rates, Step Rates, and Buffers for the Index Strategies shown in the following Examples are for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">illustrative purposes only and may not reflect actual declared rates. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>In addition, values may be rounded for display purposes only.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Limits on Index Losses: Buffers</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Buffer limits the amount of negative Index Return used in calculating the Index Credit that may be applied to an Index Strategy at the end of an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Term. If the Index Return is negative, but less than or equal to the Buffer, the Index Credit is zero. Otherwise, the Index Credit is equal to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the negative Index Return in excess of the Buffer. Negative Index Returns in excess of the Buffer will result in loss, which may be significant.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The Buffer is the amount of the protected negative return. Any negative Index Credits in excess of the Buffer reduces the Account Value </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>allocated to the Index Strategy.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For example, if the Index Return is -25% and the Buffer is 10%, we will apply a -15% Index Credit (the amount of negative Index Return that exceeds the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer) at the end of the Index Strategy Term, meaning you will experience a 15% loss. If the Index Return is -5%, we will apply a 0% Index Credit, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">meaning you would experience no loss due to negative Index performance. Please see below for more detailed examples.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A 100% Buffer will provide complete protection from Index losses. For example, if the Index Change is -25% and the Buffer is 100%, we will apply a 0% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Credit (i.e., no loss) at the end of the Index Strategy Term. However, like any Index Strategy, there may be losses due to surrender charges, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">negative Interim Value adjustments, and/or taxes and tax penalties.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will declare Buffers that will be available on the Index Strategy Start Date for each Index Strategy. We set the Buffers at our sole discretion. We </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consider various factors in declaring Buffers, including our hedging costs and techniques, administrative expenses, regulatory and tax requirements, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">market conditions, and competitive factors.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Annuity offers Index Strategies with 5%, 10%, 15%, 20% and 30% and 100% Buffers. The Buffer for an Index Strategy will not change during an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Term.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The Company does not guarantee that the Annuity will always offer Index Strategies that limit Index losses, which would mean risk of loss of </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>the entire amount invested.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Before selecting an Index Strategy for investment, you should consider in consultation with your Financial Professional which Buffer may be appropriate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for you. You and your Financial Professional may want to discuss and consider your risk tolerance, investment time horizon, and financial goals. In </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">general, assuming the same Index and Index Strategy Term length, an Index Strategy that provides more protection from Index losses will generally tend </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to have less potential for Index gains. Conversely, assuming the same Index and Index Strategy Term length, an Index Strategy that provides less </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">protection from Index losses will generally tend have more potential for Index gains.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Examples</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following examples illustrate how we calculate and credit Index Credit, assuming hypothetical negative Index Returns and a hypothetical Buffer. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">examples assume no withdrawals.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy = 1-Year Point-to-Point with Cap and a 10% Buffer</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy Start Date = $102,000</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy End Date before Index Credit = $100,000*</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the daily deduction of Benefit charges and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interim Value adjustments.</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"><span style="vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.</span></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Negative Index Return in excess of the Buffer</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return = -15%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Credit = -5%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base upon Index Strategy End Date after Index Credit = $95,000 ($100,000 - $5,000)</span></td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;margin-left:0%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Because the Buffer protects the first 10% of the loss, the Index Strategy only experiences a 5% loss (-15% Index Return + 10% Buffer = -5% </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Loss) or $100,000*-5.00% = -$5,000. The Account Value in the Index Strategy after the Index Credit would be $95,000, less the Benefit charge </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>due on the Index Strategy End Date.</b></span></td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"><span style="vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.</span></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Negative Index Return within the Buffer</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return = -5%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Credit = 0%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base upon Index Strategy End Date after Index Credit = $100,000 ($100,000 - $0)</span></td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;margin-left:0%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Because the Buffer protects against the first 10% of the loss, the Index Strategy experiences no loss of Account Value due to negative Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>performance because the negative Index Return was less than the 10% Buffer. The Account Value in the Index Strategy after the Index Credit </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>would be $100,000, less the Benefit charge due on the Index Strategy End Date.</b></span></td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Limits on Index Gains</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An Index Strategy may limit the positive Index Return used in calculating Index Credit that may be applied to an Index Strategy at the end of an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term. The calculation of Index Credit for positive Index Returns differs for Point-to-Point with Cap Index Strategies, Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategies, Step Rate Plus Index Strategies, Tiered Participation Rate Strategies and Dual Directional Index Strategies, as described further below.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For the Index Strategies that are available for investment, the Cap Rates, Spreads, Step Rates, Participation Rates, and Tier Levels, as applicable, that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">we are currently offering for new Strategy Terms are available at the following website address: </span><a href="DUMMY_967_100_127"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">www.prudential.com/flexguard-income-rates</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. The Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rates, Spreads, Step Rates, Participation Rates, and Tier Levels posted on that website address are incorporated by reference into this prospectus.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Before selecting an Index Strategy for investment, you should consider in consultation with your Financial Professional whether an Index Strategy’s limit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on Index gains may be appropriate for you. You and your Financial Professional may want to discuss and consider your risk tolerance, investment time </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">horizon, and financial goals. In general, assuming the same Index and Index Strategy Term length, an Index Strategy that provides less potential for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index gains will tend to have more protection from Index losses. Conversely, assuming the same Index and Index Strategy Term length, an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy that provides more potential for Index gains will generally tend to have less protection from Index losses.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Point-To-Point With Cap Index Strategy</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For a Point-to-Point with Cap Index Strategy, the Cap Rate may limit the positive Index Return used in calculating the Index Credit that may be applied at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the end of an Index Strategy Term. The Cap Rate is the maximum rate that may be credited to an Index Strategy for any given Index Strategy Term. If </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Return is positive and equal to or greater than the Cap Rate, then the Index Credit is equal to the Cap Rate. If the Index Return is positive, but </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">less than the Cap Rate, the Index Credit is equal to the Index Return.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For example, assume a Cap Rate of 8%. If the Index Return is 10% (which is greater than the Cap Rate), we will apply an 8% Index Credit at the end of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Strategy Term, meaning you will experience an 8% gain. If the Index Return is 5% (which is less than the Cap Rate), we will apply a 5% Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit at the end of the Index Strategy Term, meaning you will experience a 5% gain. Please see below for more detailed examples.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Index Return is negative, but less than or equal to the Buffer, the Index Credit is zero. Otherwise, the Index Credit is equal to the negative Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return in excess of the Buffer.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Point-to-Point with Cap Index Strategy is available in 1, 3, and 6-year Terms in the Savings Stage of the Benefit, and 1-year Terms only in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Stage of the Benefit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A different Cap Rate may be declared for different Indices, Buffers and Index Strategy Terms. We set the Cap Rates at our sole discretion, subject to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed Minimum Cap Rate. We consider various factors in declaring Caps, including our hedging costs and techniques, administrative expenses, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">regulatory and tax requirements, market conditions, and competitive factors.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Index Strategies with Cap Rate, the Guaranteed Minimum Cap Rate equals 1% for a one-year Index Strategy Term, 5% for a three-year Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term and 10% for a six-year Index Strategy Term.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The initial Cap Rate applies to the initial Index Strategy Term. We will declare a Cap Rate for each subsequent Index Strategy Term. In some cases, we </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may declare a Cap Rate for an Index Strategy as “uncapped” in which case the maximum Index Credit you may receive is equal to the Index Return, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subject to the Buffer.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subsequent Cap Rates may be higher or lower than the initial Cap Rate but will never be less than the Guaranteed Minimum Cap Rate. Subsequent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cap Rates may differ from the Cap Rates used for new contracts or for other contracts issued at different times. We will determine new Cap Rates on a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">basis that does not discriminate unfairly within any class of contracts. The Cap Rate will not change during an Index Strategy Term.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Examples</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following examples illustrate how we calculate and credit Index Credit, assuming hypothetical Index Returns and a hypothetical Cap and Buffer. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">examples assume no withdrawals.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy = 1-Year Point-to-Point with Cap and a 10% Buffer</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cap = 12%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy Start Date = $102,000</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy End Date before Index Credit = $100,000*</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the daily deduction of Benefit charges and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interim Value adjustments.</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Upside potential equals 100% of the Index Return up to a Cap of 12%</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 1: if the Index increased by 4%, an amount that is less than the Cap, the Index Credit would be 4%. The Account Value in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Strategy after the Index Credit would be $104,000, less the Benefit charge due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 2: if the Index increased by 20%, which is greater than the Cap, the Index Credit would be 12%, which is equal to the Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate. The Account Value in the Index Strategy after the Index Credit would be $112,000, less the Benefit charge due on the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Partial downside protection is provided through the Buffer where Index losses within the Buffer are protected. Index losses that </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>exceed the Buffer will result in a loss of Account Value.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 1: if the Index decreased by 4%, an amount within the Buffer, the Index Credit would be 0%, with no loss of Account Value. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Account Value in the Index Strategy after the Index Credit would be $100,000, less the Benefit charge due on the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 2: if the Index decreased by 12%, which is greater than the 10% Buffer, there would be a loss of Account Value because </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Credit would be -2%. The Account Value in the Index Strategy after the Index Credit would be $98,000, less the Benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">charge due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Enhanced Cap Rate Index Strategy</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b> (Available for Annuities with an Application Sign Date on or after July 1, 2024)</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For an Enhanced Cap Rate Index Strategy, the Cap Rate and Spread may limit any positive Index Return used in calculating the Index Credit that may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be applied at the end of an Index Strategy Term. Deducting a Spread allows for higher Cap Rates than the Point-to-Point with Cap Index Strategy. A </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">higher Cap Rate does not guarantee you will receive a higher Index Credit, because interest crediting for the Enhanced Cap Rate Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">depends on the applicable Cap Rate, Spread and Index Return. There is no guarantee that the Enhanced Cap Rate Index Strategy will outperform any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">other available Index Strategy and may under perform available Index Strategies due to the application of the Spread.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Index Return is positive and greater than or equal to the Cap Rate plus the Spread, the Index Credit is equal to the Cap Rate. If the Index Return is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">positive and greater than the Spread, but less than the Cap Rate plus the Spread, the Index Credit is equal to the Index Return minus the Spread. If the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return is greater than or equal to zero, and less than or equal to the Spread, the Index Credit is zero.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For example, assume the Spread is 2% and the Cap Rate is 15%. If the Index Return is 18% (which is greater than the Cap Rate plus the Spread), we </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will apply a 15% Index Credit at the end of the Index Strategy Term, meaning you will experience a 15% gain. If the Index Return is instead 10% (which </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is less than the Cap Rate plus the Spread), we will deduct the Spread from the Index Return. We will apply an 8% Index Credit at the end of the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy Term, meaning you will experience an 8% gain. If the Index Return is instead 1% (which is greater than zero but less than the Spread), the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Credit would be 0%, meaning that you would not experience a gain or a loss.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Spread does not apply when Index Return is zero or negative. If the Index Return is negative, but less than or equal to the Buffer, the Index Credit is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">zero. Otherwise, the Index Credit is equal to the negative Index Return in excess of the Buffer.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Enhanced Cap Rate Index Strategy is available in the 1-year Terms in the Savings Stage and Income Stage of the Benefit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A different Cap Rate and Spread may be declared for different Indices, Buffers, and Index Strategy Terms. Multiple Spread options with different Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rates may be offered with the same level of Buffer. For example, both the 2% (Spread A) and 3% (Spread B) options are available with a 10% Buffer. We </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">set the Cap Rates and Spreads at our sole discretion, subject to the Guaranteed Minimum Cap Rate and Guaranteed Maximum Spread. We consider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">various factors in declaring Cap Rates and Spreads, including our hedging costs and techniques, administrative expenses, regulatory and tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requirements, market conditions, and competitive factors.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Enhanced Cap Rate Index Strategies, the Guaranteed Minimum Cap Rate equals 1% and the Guaranteed Maximum Spread equals 3% for </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>a one-year Index Strategy Term.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The initial Cap Rate and Spread applies to the initial Index Strategy Term. We will declare a Cap Rate and Spread for each subsequent Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Term. In some cases, we may declare a Cap Rate for an Index Strategy as “uncapped” in which case the maximum Index Credit you may receive is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">equal to the Index Return minus the Spread.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subsequent Cap Rates and/or Spreads may be higher or lower than the initial Cap Rate and/or Spread but will never be less than the Guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate or greater than the Guaranteed Maximum Spread. Subsequent Cap Rates and/or Spreads may differ from the Cap Rates and/or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Spreads used for new contracts or for other contracts issued at different times. We will determine new Cap Rates and Spreads on a basis that does not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">discriminate unfairly within any class of contracts. The Guaranteed Minimum Cap Rate may vary by Index Strategy Term.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not offer the Enhanced Cap Rate Strategy where the Spread exceeds the Cap Rate.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Examples</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following examples illustrate how we calculate and credit Index Credit, assuming hypothetical Index Returns and a hypothetical Cap, Spread and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer. The examples assume no withdrawals.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy = 1-year Enhanced Cap Rate Index Strategy and a 10% Buffer</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cap = 17%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Spread 2%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy Start Date = $102,000</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy End Date before Index Credit = $100,000*</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the daily deduction of Benefit charges and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interim Value adjustments.</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Upside potential equals 100% of the Index Return minus 2% Spread up to a Cap of 17%</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 1: if the Index increased by 20%, which is greater than the Cap plus Spread, the Index Credit would be 17%, which is equal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to the Cap Rate. The Account Value in the Index Strategy after the Index Credit would be $117,000, less the Benefit charge due on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 2: if the Index increased by 10%, an amount that is less than the Cap plus Spread, the Index Credit would be the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return minus the 2% Spread which is 8%. The Account Value in the Index Strategy after the Index Credit would be $108,000, less </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Benefit charge due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 3: If the Index increased by 1%, an amount that is greater than zero but less than the Spread, the Index Credit would be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%. The Account Value in the Index Strategy after the Index Credit would be $100,000, less the Benefit charge due on the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Partial downside protection is provided through the Buffer where Index losses within the Buffer are protected. Index losses that </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>exceed the Buffer will result in a loss of Account Value.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 1: if the Index decreased by 4%, an amount within the Buffer, the Index Credit would be 0%, with no loss of Account Value. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Account Value in the Index Strategy after the Index Credit would be $100,000, less the Benefit charge due on the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 2: if the Index decreased by 12%, which is greater than the 10% Buffer, there would be a loss of Account Value because </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Credit would be -2%. The Account Value in the Index Strategy after the Index Credit would be $98,000, less the Benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">charge due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Step Rate Plus Index Strategy</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For a Step Rate Plus Index Strategy, the Step Rate and Participation Rate may limit the positive Index Return used in calculating the Index Credit that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may be applied at the end of an Index Strategy Term. If the Index Return is between zero (including zero) and the declared Step Rate, then the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit is equal to the Step Rate. If the Index Return is greater than the Step Rate, the Index Credit is equal to the greater of the Index Return multiplied </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">by the Participation Rate or the Step Rate.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For example, assume the Step Rate is 4% and the Participation Rate is 60%. If the Index Return is 5%, we will apply the Step Rate to calculate the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit because the Step Rate (4%) is greater than the Index Return multiplied by the Participation Rate (5% x 60% = 3%). The Index Credit at the end of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Strategy Term will be 4%, meaning you will experience a 4% gain. Alternatively, assume the Index Return is 10%. In that case, we will apply the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rate rather than the Step Rate because the Index Return multiplied by the Participation Rate (10% x 60% = 6%) will be greater than the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate (4%). The Index Credit at the end of the Index Strategy Term will be 6%, meaning you will experience a 6% gain. Please see below for more </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">detailed examples.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Step Rate is the declared rate that will be credited to an Index Strategy for any given Index Strategy Term if the Index Return is between zero </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including zero) and the declared Step Rate. When the Index Return is zero or positive, the Step Rate is the minimum amount of Index Credit that would </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be applied. The Participation Rate used in the Step Rate Plus Index Strategy is the percentage of an Index Return that may be credited if the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return exceeds the Step Rate. A Participation Rate only applies when the Index Return is positive and greater than the Step Rate. There is no maximum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount of Index Credit with the Step Rate Plus Index Strategy, but your Index gains may be limited by either the Step Rate or the Participation Rate.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Index Return is negative, but less than or equal to the Buffer, the Index Credit is zero. Otherwise, the Index Credit is equal to the negative Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return in excess of the Buffer. See “Limits on Index Losses: Buffer” above.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Step Rate Plus Index Strategy is available in the 1-year Terms in the Savings Stage and Income Stage of the Benefit. Step Rate Plus Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategies with 5% Buffers are not available in the State of Pennsylvania. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See </b></span><a href="#ref_chapter_20-sect1_1_51137_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix C</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A different Step Rate and Participation Rate may be declared for different Indices, Buffers, and Index Strategy Terms. We set the Step Rates and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rates at our sole discretion, subject to the Guaranteed Minimum Step Rate and Guaranteed Minimum Participation Rate. We consider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">various factors in declaring Step Rates and Participation Rates, including our hedging costs and techniques, administrative expenses, regulatory and tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requirements, market conditions, and competitive factors.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Step Rate Plus Index Strategies, the Guaranteed Minimum Step Rate equals 1% and the Guaranteed Minimum Participation Rate equals </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>60%.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The initial Step Rate and Participation Rate applies to the initial Index Strategy Term. We will declare new Step Rate and Participation Rate for each </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subsequent Index Strategy Term. Subsequent Step Rates and Participation Rates may be higher or lower than the initial Step Rate and Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate but will never be less than the Guaranteed Minimum Step Rate and Guaranteed Minimum Participation Rate. Subsequent Step Rates and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rates may differ from the Step Rates and Participation Rates used for new contracts or for other contracts issued at different times. We will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">determine new Step Rates and Participation Rates on a basis that does not discriminate unfairly within any class of contracts. The Step Rate and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rate will not change during an Index Strategy Term.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Examples</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following examples illustrate how we calculate and credit Index Credit, assuming hypothetical Index Returns and a hypothetical Step Rate, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rate, and Buffer. The examples assume no withdrawals.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy = 1-Year Step Rate Plus with a 5% Buffer</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate = 6%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rate = 90%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy Start Date = $102,000</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy End Date before Index Credit = $100,000*</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the daily deduction of Benefit charges and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interim Value adjustments.</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Upside potential equals the Step Rate if the Index Return is between zero (including zero) and the declared Step Rate. If the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index Return is greater than the Step Rate, the Index Credit is equal to the greater of the Index Return multiplied by the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Participation Rate or the Step Rate.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 1: if the Index increased by 4%, an amount that is less than the Step Rate, the Index Credit would be 6% (the Step Rate). </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Account Value in the Index Strategy after the Index Credit would be $106,000, less the Benefit charge due on the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 2: if the Index increased by 20%, which is greater than the Step Rate, the Index Credit would be the greater of 90% (the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rate) of 20%, which is 18% or the Step Rate. In this Example, the Index Credit would be 18% as it is the greater value. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Account Value in the Index Strategy after the Index Credit would be $118,000, less the Benefit charge due on the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 3: if the Index increased by 6.50%, which is greater than the Step Rate, the Index Credit would be the greater of 90% (the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Participation Rate) of 6.50%, which is 5.85% or the Step Rate. In this Example, the Index Credit would be the Step Rate of 6% as it </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is the greater value. The Account Value in the Index Strategy after the Index Credit would be $106,000, less the Benefit charge due </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Partial downside is provided through the Buffer where Index losses within the Buffer are protected. Index losses that exceed the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Buffer will result in a loss of Account Value.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 1: if the Index decreased by 4%, an amount within the Buffer, the Index Credit would be 0%, with no loss of Account Value. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Account Value in the Index Strategy after the Index Credit would be $100,000, less the Benefit charge due on the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 2: if the Index decreased by 12%, which is greater than the 5% Buffer, there would be a loss of Account Value because the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Credit would be -7%. The Account Value in the Index Strategy after the Index Credit would be $93,000, less the Benefit charge </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Tiered Participation Rate Index Strategy</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Participation Rate is the percentage of an Index Return that may be credited to an Index Strategy for any given Index Strategy Term. We will declare </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a 1st Tier Participation Rate, 2nd Tier Participation Rate, and a Tier Level at the start of each Index Strategy Term. The 1st Tier Participation Rate is used </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to calculate the Index Credit associated with any Index Return less than or equal to the declared Tier Level. The 2nd Tier Participation Rate is used to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calculate the Index Credit associated with any Index Return greater than the declared Tier Level.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For example, assume the 1st Tier Participation Rate is 100%, the 2nd Tier Participation Rate is 120%, and the Tier Level is 10%. If the Index Return is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10%, we will apply the 1st Tier Participation Rate to the entire Index Return. The 2nd Tier Participation Rate will not apply to any portion of the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return because the Index Return is lower than the Tier Level. The Index Credit at the end of the Index Strategy Term will be 10% (10% x 100%), </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">meaning you will experience a 10% gain. Alternatively, assume the Index Return is 15%. In that case, we will apply the 1st Tier Participation Rate to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">first 10% of Index Return and the 2nd Tier Participation Rate to the remaining 5% of Index Return. The Index Credit at the end of the Index Strategy Term </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will be 16% ((10% x 100%) + (5% x 120%)), meaning you will experience a 16% gain. Please see below for more detailed examples.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Index Return is between zero and the declared Tier Level, then the Index Credit is equal to the Index Return multiplied by the Participation Rate for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the 1st tier. If the Index Return is greater than or equal to the declared Tier Level, the Index Credit is the sum of the Tier Level Index Return multiplied by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Participation Rate for the 1st tier and the remaining Index Return multiplied by the Participation Rate for the 2nd tier. Participation Rates only apply </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">when the Index Return is positive. There is no maximum amount of Index Credit with a Tiered Participation Rate Index Strategy.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Index Return is negative, but less than or equal to the Buffer, the Index Credit is zero. Otherwise, the Index Credit is equal to the negative Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return in excess of the Buffer. See “Limits on Index Losses: Buffer” above.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Tiered Participation Rate Index Strategy is only available during the Savings Stage of the Benefit. The Tiered Participation Rate Index Strategies </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with 5% Buffers are not available in the State of Pennsylvania. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See </b></span><a href="#ref_chapter_20-sect1_1_51137_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix C</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A different Participation Rate and Tier Level may be declared for different Indices, Buffers, and Index Strategy Terms. We set the Participation Rates and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tier Levels at our sole discretion, subject to the Guaranteed Minimum Participation Rate and Guaranteed Maximum Tier Level. We consider various </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">factors in declaring Participation Rates and Tier Levels, including our hedging costs and techniques, administrative expenses, regulatory and tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requirements, market conditions, and competitive factors.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Tiered Participation Rate Index Strategies, the Guaranteed Minimum Participation Rate equals 100% and the Guaranteed Maximum Tier </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Level equals 35%.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The initial Participation Rates and Tier Levels apply to the initial Index Strategy Term. We will declare new Participation Rates and Tier Levels for each </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subsequent Index Strategy Term. Subsequent Participation Rates may be higher or lower than the initial Participation Rates but will never be less than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Guaranteed Minimum Participation Rate. Subsequent Tier Levels may be higher or lower than the initial Tier Level but will never exceed the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed Maximum Tier Level. Subsequent Participation Rates and Tier Levels may differ from the Participation Rates and Tier Levels used for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contracts or for other contracts issued at different times. We will determine new Participation Rates and Tier Levels on a basis that does not discriminate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">unfairly within any class of contracts. The Participation Rate and Tier Level will not change during an Index Strategy Term.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Examples</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following examples illustrate how we calculate and credit Index Credit, assuming hypothetical Index Returns and hypothetical Participation Rates, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tier Level, and Buffer. The examples assume no withdrawals.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy = 6-Year Point-to-Point with Tiered Participation Rate and a 10% Buffer</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1st Tier Participation Rate = 100%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">2nd Tier Participation Rate = 140%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tier Level = 30%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy Start Date = $102,000</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy End Date before Index Credit = $100,000*</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the daily deduction of Benefit charges and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interim Value adjustments.</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Upside potential equals the Index Return multiplied by the Participation Rate(s) based on the Tier Level of 30%.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 1: if the Index increased by 28%, which is less than the Tier Level, the Index Credit would be 100% of the 28% increase, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which would be 28%. The Account Value in the Index Strategy after the Index Credit would be $128,000, less the Benefit charge due </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 2: if the Index increased by 68%, which is above the Tier Level, the Index Credit would be 100% of the first 30% increase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">plus 140% of the remaining 38% increase, which equals 83.2%. The Account Value in the Index Strategy after the Index Credit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">would be $183,200, less the Benefit charge due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Partial downside protection is provided through the Buffer where index losses within the Buffer are protected. Index losses that </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>exceed the Buffer will result in a loss of Account Value.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 1: if the Index decreased by 4%, an amount within the Buffer, the Index Credit would be 0%, with no loss of Account Value. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Account Value in the Index Strategy after the Index Credit would be $100,000, less the Benefit charge due on the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 2: if the Index decreased by 12%, which is greater than the 10% Buffer, there would be a loss of Account Value because </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Credit would be -2%. The Account Value in the Index Strategy after the Index Credit would be $98,000, less the Benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">charge due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Dual Directional Index Strategy</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For a Dual Directional Index Strategy, the Cap Rate may limit the positive Index Return used in calculating the Index Credit that may be applied at the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">end of an Index Strategy Term. The Cap Rate is the maximum rate that may be credited to an Index Strategy for any given Index Strategy Term if the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return is positive. The Dual Directional Index Strategy provides an Index Credit equal to the Index Return up to a Cap Rate when the Index Return </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is positive and an Index Credit equal to the absolute value of the Index Return, not limited by a Cap Rate, when the Index Return is negative and equal to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or within the Buffer. The absolute value of the Index Return is the value without regard to the mathematical sign (positive or negative) of the Index Return. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Otherwise, if the Index Return is negative and exceeds the Buffer, then the Index Credit will be negative and equal to the Index Return in excess of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Index Return is positive and equal to or greater than the Cap Rate, then the Index Credit is equal to the Cap Rate. If the Index Return is zero or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">positive, but less than the Cap Rate, the Index Credit is equal to the Index Return. For example, assuming a Cap Rate of 4% and an Index Return of 8% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(which is greater than the Cap Rate), we will apply a 4% Index Credit at the end of the Index Strategy Term, meaning you will experience a 4% gain. If </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Return is negative and equal to or within the Buffer, the Index Credit will be positive and equal to the absolute value of the Index Return. For </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">example, assuming a 10% Buffer and an Index Return of negative 8% (which is within the 10% Buffer), we will apply a positive 8% Index Credit at the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">end of the Index Strategy Term, meaning you will experience an 8% gain. If the Index Return is instead a negative 12% (which exceeds the 10% Buffer), </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">we will apply a negative 2% Index Credit at the end of the Index Strategy Term, meaning you will experience a 2% loss.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Dual Directional Index Strategy is available in 1 and 6-year Terms.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Cap Rate may vary by Index, Index Strategy Term and Buffer. We set the Cap Rates at our sole discretion, subject to the Guaranteed Minimum Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate. We consider various factors in declaring Caps, including our hedging costs and techniques, administrative expenses, regulatory and tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requirements, market conditions, and competitive factors.</span><br/><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Dual Directional Index Strategies, the Guaranteed Minimum Cap Rate equals 1% for a one-year Index Strategy Term and 10% for a six-year </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index Strategy Term.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The initial Cap Rate applies to the initial Index Strategy Term. We will declare a Cap Rate for each subsequent Index Strategy Term. In some cases, we </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may declare a Cap Rate for an Index Strategy as “uncapped” in which case the maximum Index Credit you may receive is equal to the Index Return, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subject to the Buffer.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subsequent Cap Rates may be higher or lower than the initial Cap Rate but will never be less than the Guaranteed Minimum Cap Rate. Subsequent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cap Rates may differ from the Cap Rates used for new contracts or for other contracts issued at different times. We will determine new Cap Rates on a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">basis that does not discriminate unfairly within any class of contracts. The Cap Rate will not change during an Index Strategy Term.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Examples</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following examples illustrate how we calculate and credit Index Credit, assuming hypothetical Index Returns and a hypothetical Cap and Buffer. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">examples assume no withdrawals.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy = 1-Year Dual Directional with a 10% Buffer</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cap = 7%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy Start Date = $102,000</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy Base at Index Strategy End Date before Index Credit = $100,000*</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the daily deduction of Benefit charges and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interim Value adjustments.</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Upside Potential:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If the Index Return is positive: the Index Credit is equal to the Index Return up to the Cap Rate. </span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 1: If the Index increased by 6%, which is less than the Cap Rate, the Index Credit would be 6%. The Account Value in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy after the Index Credit would be $106,000, less the Benefit charge due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 2: If the Index increased by 9%, which is greater than the Cap Rate, the Index Credit would be 7%, which is equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cap Rate. The Account Value in the Index Strategy after the Index Credit would be $107,000, less the Benefit charge due on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Growth Potential with Negative Index Return:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If the Index Return is negative and within or equal to the Buffer: the absolute value of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return will be used for the Index Credit. </span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 1: If the Index decreased by 4%, an amount within the Buffer, the Index Credit would be 4%. The Account Value in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy after the Index Credit would be $104,000, less the Benefit charge due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example 2: If the Index decreased by 10%, an amount equal to the Buffer, the Index Credit would be 10%. The Account Value in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy after the Index Credit would be $110,000, less the Benefit charge due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Partial Downside Protection:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If the Index Return is negative and exceeds the Buffer: Index losses that exceed the Buffer will result in a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">loss of Account Value. </span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example: If the Index decreased by 12%, which is greater than the 10% Buffer, the Index Credit would be -2%. The Account Value in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Strategy after the Index Credit would be $98,000, less the Benefit charge due on the Index Strategy End Date.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">During the Income Stage of the Benefit, only the 1-year Point-to-Point with Cap Index Strategies, 1-year Dual Directional Index Strategies, 1-year Step </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate Plus Index Strategies and 1-year Enhanced Cap Rate* Index Strategies are available.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Enhanced Cap Rate Index Strategies are only available on annuities with an Application Sign Date on or after July 1, 2024.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For more information about the Index Strategies, please refer to </b></span><a href="#ref_chapter_18-sect1_1_51133_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix A</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Maturity</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">On each Index Anniversary Date, you may reallocate Account Value allocated to the Variable Option and any Index Strategy(ies) that has reached an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy End Date into any available Index Strategy. Additionally, for Index Strategy(ies) where a Performance Lock has occurred, transfers to new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy(ies) may also occur on any Index Anniversary Date. We will notify you in advance of any Index Anniversary Date. Upon receipt of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">instructions in Good Order for reallocation of the Account Value to or from an Index Strategy, we will process the reallocation on the Index Anniversary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Date. You will be able to make reallocation selections via mail, phone, through online access or any other media that we make available. The minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">required amount allocated to any Index Strategy is $2,000. The minimum required amount allocated to the Variable Option is $20.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please see “</span><a href="#ref_chapter_9-sect1_3_51102_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Transfer and Reallocation Guidelines</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” for more information on how you may provide instructions on reallocating Account Value at the end of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an Index Strategy Term, as well as the default reallocation in the absence of such instructions.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Variable Options</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The PSF PGIM Government Money Market Portfolio – Class III is currently the only Variable Option available under the Annuity. Account Value allocated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to the Variable Option will vary based on the investment experience of the Portfolio in which the Variable Option invests. There is a risk of loss of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">entire amount invested.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Please refer to </b></span><a href="#ref_chapter_18_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix A</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> for certain information regarding the Portfolio, including (i) its name, (ii) its type (</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>e.g</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>., money market fund, bond </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>fund, balanced fund, etc.), (iii) its investment advisor and any sub-advisor, (iv) current expenses, and (v) performance.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> There is no guarantee </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that the underlying Portfolio will meet its investment objective. The Portfolio has issued a prospectus that contains more detailed information about the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Portfolio. The prospectus for the Portfolio can be found online at </span><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><span style="text-decoration:underline;0.5 #000000 solid baseline 0 1 0">www.prudential.com/regdocs/PLAZ-FLEXGUARD-INC-USP</span></span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. You can also request this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information at no cost by calling 1-888-PRU-2888.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The underlying Portfolio is registered as an open-end management investment company under the Investment Company Act of 1940. Shares of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">underlying Portfolio are sold to separate accounts of life insurance companies offering variable annuity and variable life insurance products. The shares </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may also be sold directly to qualified pension and retirement plans.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Voting Rights</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We are the legal owner of the shares of the underlying Portfolios in which the Variable Option invests. However, under current SEC rules, you have voting </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rights in relation to Account Value allocated to the Variable Option. If an underlying Portfolio requests a vote of shareholders, we will vote our shares </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">based on instructions received from Owners with Account Value allocated to that Variable Option. Owners have the right to vote an amount equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">number of shares attributable to their Annuity. If we do not receive voting instructions in relation to certain shares, we will vote those shares in the same </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">manner and proportion as the shares for which we have received instructions. This voting procedure is sometimes referred to as “mirror voting” because, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as indicated in the immediately preceding sentence, we mirror the votes that are actually cast, rather than decide on our own how to vote. We will also </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“mirror vote” shares that are owned directly by us or an affiliate (excluding shares held in the separate account of an affiliated insurer). In addition, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">because all the shares of a given Portfolio held within the Registered Separate Account are legally owned by us, we intend to vote all of such shares </span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">when that underlying Portfolio seeks a vote of its shareholders. As such, all such shares will be counted towards whether there is a quorum at the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">underlying Portfolio’s shareholder meeting and toward the ultimate outcome of the vote. Thus, under “mirror voting,” it is possible that the votes of a small </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">percentage of Owners who actually vote will determine the ultimate outcome.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We may, if required by state insurance regulations, disregard voting instructions if they would require shares to be voted so as to cause a change in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">sub-classification or investment objectives of one or more of the available variable investment options or to approve or disapprove an investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">advisory contract for a Portfolio. In addition, we may disregard voting instructions that would require changes in the investment policy or investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">advisor of one or more of the Portfolios associated with the available variable investment options, provided that we reasonably disapprove such changes </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in accordance with applicable federal or state regulations. If we disregard Owner voting instructions, we will advise Owners of our action and the reasons </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for such action in the next available annual or semi-annual report.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will furnish those Owners who have Account Value allocated to a Variable Option whose underlying Portfolio has requested a “proxy” vote with proxy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">materials and the necessary forms to provide us with their voting instructions. Generally, you will be asked to provide instructions for us to vote on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">matters such as changes in a fundamental investment strategy, adoption of a new investment advisory agreement, or matters relating to the structure of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the underlying Portfolio that require a vote of shareholders. We reserve the right to change the voting procedures described above if applicable SEC </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rules change.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Similar Funds</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Portfolios are not publicly traded mutual funds. They are only available as investment options in variable annuity contracts and variable life insurance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">policies issued by insurance companies, or in some cases, to participants in certain qualified retirement plans. However, some of the Portfolios available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as Variable Options under variable annuity contracts and variable life insurance policies are managed by the same advisor or sub-advisor as a retail </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">mutual fund of the same or similar name that the Portfolio may have been modeled after at its inception. Certain retail mutual funds may also have been </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">modeled after a Portfolio. While the investment objective and policies of the retail mutual funds and the Portfolios may be substantially similar, the actual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investments will differ to varying degrees. Differences in the performance of the funds can be expected, and in some cases could be substantial. You </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">should not compare the performance of a publicly traded mutual fund with the performance of any similarly named Portfolio offered as a Variable Option.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Material Conflicts</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In the future, it may become disadvantageous for separate accounts of variable life insurance and variable annuity contracts to invest in the same </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">underlying Portfolios. Neither the companies that invest in the Portfolios nor the Portfolios currently foresee any such disadvantage. The Board of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Directors for each Portfolio intends to monitor events in order to identify any material conflict between variable life insurance policy owners and variable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity contract owners and to determine what action, if any, should be taken. Material conflicts could result from such things as:</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"><span style="vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.</span></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">changes in state insurance law;</span></td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"><span style="vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.</span></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">changes in federal income tax law;</span></td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"><span style="vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">3.</span></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">changes in the investment management of any variable investment options; or</span></td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"><span style="vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">4.</span></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">differences between voting instructions given by variable life insurance policy owners and variable annuity contract owners.</span></td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Fees and Payments Received by Us</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">As detailed below, we and our affiliates may receive substantial payments from the underlying Portfolios and/or related entities, such as the Portfolios’ </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">advisors and subadvisors. Because these fees and payments would be made to us and our affiliates, allocations you make to the underlying Portfolios </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">would benefit us financially. In selecting Portfolios available under the Annuity, we consider the payments that will be made to us.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We may receive Rule 12b-1 fees which compensate us and our affiliate, Prudential Annuities Distributors, Inc., for distribution and administrative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">services. These fees are paid by the underlying Portfolio out of each Portfolio’s assets and are therefore borne by Owners.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We may also receive administrative services payments from the Portfolios or the advisors of the underlying Portfolios or their affiliates, which are referred </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to as “revenue sharing” payments. The maximum combined 12b-1 fees and revenue sharing payments we receive with respect to a Portfolio are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">generally equal to an annual rate of 0.55% of the average assets allocated to the Portfolio under the Annuity (in certain cases, however, this amount may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be equal to annual rate of 0.60% of the average assets allocated to the Portfolio). We expect to make a profit on these fees and payments and consider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">them when selecting the Portfolios available under the Annuity.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition, an advisor or subadvisor of a Portfolio or a distributor of the Annuity (not the Portfolios) may also compensate us by providing reimbursement, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">defraying the costs of, or paying directly for, among other things, marketing and/or administrative services and/or other services they provide in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">connection with the Annuity. These services may include, but are not limited to: sponsoring or co-sponsoring various promotional, educational or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">marketing meetings and seminars attended by distributors, wholesalers, and/or broker dealer firms’ registered representatives, and creating marketing </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">material discussing the Annuity, available options, and underlying Portfolios. The amounts paid depend on the nature of the meetings, the number of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">meetings attended by the advisor, subadvisor, or distributor, the number of participants and attendees at the meetings, the costs expected to be incurred, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and the level of the advisor’s, subadvisor’s or distributor’s participation. These payments or reimbursements may not be offered by all advisors, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subadvisors, or distributors and the amounts of such payments may vary between and among each advisor, subadvisor, and distributor depending on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">their respective participation. We may also consider these payments and reimbursements when selecting the Portfolios available under the Annuity. For </span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the annual period ended December 31, 2025, with regard to the total annual amounts that were paid (or as to which a payment amount was accrued) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under the kinds of arrangements described in this paragraph, the amounts for any particular advisor, subadvisor or distributor ranged from $125.19 to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$275,000. These amounts relate to all individual variable annuity contracts issued by Pruco Life or its affiliates, not only the Annuity covered by this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prospectus.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition to the payments that we receive from underlying Portfolios and/or their affiliates, those same Portfolios and/or their affiliates may make </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payments to us and/or other insurers within the Prudential Financial group related to the offering of investment options within variable annuities or life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">insurance offered by different Prudential business units.</span><span></span></div> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Contract currently offers multiple Index Strategies. For each Index Strategy, we will credit positive or negative interest (i.e., Index Credit) at the end of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Index Strategy Term to amounts allocated to the Index Strategy based, in part, on the performance of the Index. </span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in an Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is not an investment in the Index or in any Index fund. You could lose a significant amount of money if the Index declines in value. </span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You could also lose a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significant amount of money due to an Interim Value adjustment, if amounts are removed from an Index Strategy prior to the end of the Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Term.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Negative Index Return</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Value at Index Strategy Start Date: 1569</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Value on Index Strategy End Date: 1333</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return: -15% ((1333-1569)/1569)</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Positive Index Return </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Value at Index Strategy Start Date: 1569</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Value on Index Strategy End Date: 1726</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Return: 10% ((1726-1569)/1569)</span> <div><span style="text-transform:uppercase;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;text-transform:uppercase;;"><b>CHARGES</b></span></span><span style="text-transform:uppercase;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;text-transform:uppercase;;"><b> AND ADJUSTMENTS</b></span></span><hr style="color:#000000;width:100%;float:center;text-align:center;size:2px;background-color:#000000;height:1px;"/></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The charges under the Annuity are designed to cover, in aggregate, our direct and indirect costs of selling, administering and providing benefits under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity. They are also designed, in aggregate, to compensate us for the risks of loss we assume. If, as we expect, the charges that we collect from the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity exceed our total costs in connection with the Annuity, we will earn a profit. Otherwise we will incur a loss. For example, we may make a profit on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Insurance Charge (as described in the “Insurance Charge” subsection of this section) if, over time, the actual costs of providing the guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">insurance obligations and other expenses under the Annuity are less than the amount we deduct for the Insurance Charge. To the extent we make a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">profit on the Insurance Charge, such profit may be used for any other corporate purpose.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The rates of certain of our charges have been set with reference to estimates of the amount of specific types of expenses or risks that we will incur. In </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">general, a given charge under the Annuity compensates us for our costs and risks related to that charge and may provide for a profit. However, it is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">possible that with respect to a particular obligation we have under the Annuity, we may be compensated not only by the charge specifically tied to that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">obligation, but also from one or more other charges we impose.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">With regard to charges that are assessed as a percentage of the value of the </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Variable Option</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, please note that such charges are assessed through a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduction to the Unit Value of your investment in each </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Variable Option</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, and in that way reduce your Account Value. A “Unit” refers to a share of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">participation in a </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Variable Option</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> used to calculate your Account Value prior to the Annuity Date. There are no explicit charges for the Index Strategies. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is a charge for the Benefit.</span></div> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The charges under the Annuity are designed to cover, in aggregate, our direct and indirect costs of selling, administering and providing benefits under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity. They are also designed, in aggregate, to compensate us for the risks of loss we assume. If, as we expect, the charges that we collect from the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity exceed our total costs in connection with the Annuity, we will earn a profit. Otherwise we will incur a loss. For example, we may make a profit on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Insurance Charge (as described in the “Insurance Charge” subsection of this section) if, over time, the actual costs of providing the guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">insurance obligations and other expenses under the Annuity are less than the amount we deduct for the Insurance Charge. To the extent we make a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">profit on the Insurance Charge, such profit may be used for any other corporate purpose.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">CDSC is waived under the following circumstances, including but not limited to:</span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals equal to or less than the Annual Income Amount, even if the withdrawal exceeds the Free Withdrawal Amount available.</span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Free Withdrawal Amount – withdrawals equal to or less than the stated Free Withdrawal Amount.</span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Required Minimum Distribution (RMD) – as calculated by us, even those taken during the first Annuity Year, and distributed through a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">program/process we support.</span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Medically-Related Surrenders (MRS) – based on the Owner meeting the following conditions (or Annuitant if entity owned): a) fatally ill or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">b) confinement to a medical facility for 90 consecutive days following the Issue Date (State variations may apply).</span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We define a medical facility as a facility recognized as a hospital or a long-term care facility or that is a nursing home facility with a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">24- hour RN or LPN who controls all prescribed medications and daily medical records.</span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We define fatal illness as a condition which death results in 2 years for 80% of diagnosed cases.</span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We allow for partial Medically Related Surrenders – we reserve the right in the contract to cap at a cumulative maximum of $500K </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">per life, though this is not currently enforced.</span></span><span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is no cap on total Payments, i.e. the amount of Purchase Payments will not cause an Owner to be eligible for the waiver.</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not discriminate unfairly between Annuity purchasers with respect to any CDSC waivers.</span> <span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The charge for the Benefit is an annual charge based on the Account Value on the Index Anniversary Date after all Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits have been applied but before any withdrawals that occur on that date.</span></span> <span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The charge will reduce the Index Strategy Base by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the proportional reduction in the Interim Value on the day the charge is assessed.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interim Value adjustments will impact your investment in an Index Strategy only when there is a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transaction using an Interim Value, including the daily deduction of Benefit charges. </span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A negative Interim Value adjustment will result in loss, and any such </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">loss could be greater than the value withdrawn or otherwise removed from the Index Strategy and could result in loss beyond the Index Strategy’s Buffer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(which only applies on the Index Strategy End Date).</span> <div><span style="text-transform:uppercase;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;text-transform:uppercase;;"><b>BENEFITS AVAILABLE UNDER THE CONTRACT</b></span></span><hr style="color:#000000;width:100%;float:center;text-align:center;size:2px;background-color:#000000;height:1px;"/></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following table summarizes information about the benefits available under the Annuity.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Certain Contract Benefits may not be available through certain financial intermediaries. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See </b></span><a href="#ref_chapter_24-sect1_1_923444_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix G</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>, “Financial Intermediary Variations” and the </b></span><a href="#ref_chapter_1-sect1_1_51048_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cover Page</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> for additional information</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:18.11829944547135%"></td> <td style="height:1px;background-color:#D8D8D8;;width:32.380776340110906%"></td> <td style="height:1px;background-color:#D8D8D8;;width:10.260628465804066%"></td> <td style="height:1px;background-color:#D8D8D8;;width:14.944547134935304%"></td> <td style="height:1px;background-color:#D8D8D8;;width:24.295748613678374%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Standard or </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Optional</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum Fee</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Brief Description of Restrictions/</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Linked Variable </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Benefit</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The built-in Benefit associated with the Annuity is a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">variable income benefit that allows you to receive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">your annual withdrawal amount over one lifetime </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">(“Protected Life”), or over the Owner/Annuitant and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">their spouse’s lifetime (“Joint Protected Lives”). </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Benefit provides lifetime income payments </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">initially based on a percentage of your Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value.</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Standard</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">1.45%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"> </span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">(of the Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">on the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Anniversary Date)</span></div> </td> <td colspan="1" style="vertical-align:middle"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">If you remove the Benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">before Income Withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">begin, you will have paid for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">the Benefit without receiving </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">any of its advantages.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">If you remove the Benefit, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">cannot re-elect it at any point </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">in the future.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Withdrawals and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit may also end </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">prematurely if you take Excess </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income or you annuitize your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Contract.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit charges deducted prior </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">to an Index Strategy End Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">will result in an Interim Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">adjustment, which may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">negative.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Withdrawals may not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">begin until the Income Stage, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">and you can elect to begin the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Stage only on an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Anniversary Date after the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Waiting Period.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Withdrawals prior to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Stage will reduce the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit, perhaps significantly, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">because your future Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Amount will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">calculated using a lower </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Account Value.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">During the Income Stage, no </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Strategies are available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">other than the 1-year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Point-to-Point with Cap, 1-Year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Dual Directional, 1-year Step </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Rate Plus, and 1-year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Enhanced Cap Rate* Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategies.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Withdrawals of the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Amount may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">subject to negative Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value adjustments and tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">consequences.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Excess Income may be subject </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">to surrender charges, negative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Interim Value adjustments, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">tax consequences.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Excess Income may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">significantly reduce the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Amount for future </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Annuity Years, potentially by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">more than the amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">withdrawn.</span> </div> </li> </ul> </div> </td> </tr> </table></div></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:18.11829944547135%"></td> <td style="height:1px;background-color:#D8D8D8;;width:32.380776340110906%"></td> <td style="height:1px;background-color:#D8D8D8;;width:10.260628465804066%"></td> <td style="height:1px;background-color:#D8D8D8;;width:14.944547134935304%"></td> <td style="height:1px;background-color:#D8D8D8;;width:24.295748613678374%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Standard or </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Optional</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum Fee</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Brief Description of Restrictions/</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Return of Purchase </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Payments Death Benefit</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Provides protection for your Beneficiary(ies) by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">ensuring that they receive the greater of the Return </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">of Purchase Payments Amount and Account Value.</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Standard</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">0%</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Death Benefit may not be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">electively terminated.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Death Benefit will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">terminate upon a change of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Owner or Annuitant. The Death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit for any changed Owner </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">or Annuitant will be Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Withdrawals may significantly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">reduce the benefit, potentially </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">by more than the amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">withdrawn.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Death Benefit will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">terminate upon entering the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Insured Income Stage for a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">single Protected Life or if you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">annuitize your Annuity.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Captures the Performance Lock Value of an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy at the end of any Valuation Day during the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Strategy Term.</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Standard</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">0%</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Only one Performance Lock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">may occur for any given Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy during an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy Term.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">May not be applied </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">retroactively and must be for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">the full amount of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock Value.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Cannot be reversed.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock Value will no </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">longer participate in the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy performance for the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">current Index Strategy Term.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">cannot be reallocated until the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">next Index Anniversary Date.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">We reserve the right to limit the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">use of the Performance Lock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">feature for certain Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategies.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">We may discontinue the use of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">this feature for future </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock requests at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">any time.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Systematic Withdrawal </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Program</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">An administrative program designed for you to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">withdraw a specified amount from your Annuity on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">an automated basis at the frequency you select.</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Standard</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">0%</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Not available if you are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">receiving substantially equal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">periodic payments under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Sections 72(t) and 72(q) of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Code or Required Minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Distributions.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Terminates upon change of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">ownership or assignment.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Systematic withdrawals may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">be subject to surrender </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">charges, negative Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value adjustments, and tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">consequences.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="5" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">*Enhanced Cap Rate Index Strategies are only available on annuities with an Application Sign Date on or after July 1, 2024.</span></span> </div> </td> </tr> </table></div></div> <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:18.11829944547135%"></td> <td style="height:1px;background-color:#D8D8D8;;width:32.380776340110906%"></td> <td style="height:1px;background-color:#D8D8D8;;width:10.260628465804066%"></td> <td style="height:1px;background-color:#D8D8D8;;width:14.944547134935304%"></td> <td style="height:1px;background-color:#D8D8D8;;width:24.295748613678374%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Standard or </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Optional</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum Fee</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Brief Description of Restrictions/</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Linked Variable </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Benefit</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The built-in Benefit associated with the Annuity is a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">variable income benefit that allows you to receive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">your annual withdrawal amount over one lifetime </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">(“Protected Life”), or over the Owner/Annuitant and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">their spouse’s lifetime (“Joint Protected Lives”). </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Benefit provides lifetime income payments </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">initially based on a percentage of your Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value.</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Standard</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">1.45%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"> </span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">(of the Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">on the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Anniversary Date)</span></div> </td> <td colspan="1" style="vertical-align:middle"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">If you remove the Benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">before Income Withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">begin, you will have paid for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">the Benefit without receiving </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">any of its advantages.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">If you remove the Benefit, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">cannot re-elect it at any point </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">in the future.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Withdrawals and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit may also end </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">prematurely if you take Excess </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income or you annuitize your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Contract.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit charges deducted prior </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">to an Index Strategy End Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">will result in an Interim Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">adjustment, which may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">negative.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Withdrawals may not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">begin until the Income Stage, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">and you can elect to begin the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Stage only on an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Anniversary Date after the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Waiting Period.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Withdrawals prior to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Stage will reduce the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit, perhaps significantly, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">because your future Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Amount will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">calculated using a lower </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Account Value.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">During the Income Stage, no </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Strategies are available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">other than the 1-year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Point-to-Point with Cap, 1-Year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Dual Directional, 1-year Step </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Rate Plus, and 1-year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Enhanced Cap Rate* Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategies.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Withdrawals of the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Amount may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">subject to negative Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value adjustments and tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">consequences.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Excess Income may be subject </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">to surrender charges, negative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Interim Value adjustments, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">tax consequences.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Excess Income may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">significantly reduce the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Amount for future </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Annuity Years, potentially by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">more than the amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">withdrawn.</span> </div> </li> </ul> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:18.11829944547135%"></td> <td style="height:1px;background-color:#D8D8D8;;width:32.380776340110906%"></td> <td style="height:1px;background-color:#D8D8D8;;width:10.260628465804066%"></td> <td style="height:1px;background-color:#D8D8D8;;width:14.944547134935304%"></td> <td style="height:1px;background-color:#D8D8D8;;width:24.295748613678374%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Standard or </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Optional</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Maximum Fee</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Brief Description of Restrictions/</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;"><b>Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Return of Purchase </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Payments Death Benefit</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Provides protection for your Beneficiary(ies) by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">ensuring that they receive the greater of the Return </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">of Purchase Payments Amount and Account Value.</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Standard</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">0%</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Death Benefit may not be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">electively terminated.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Death Benefit will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">terminate upon a change of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Owner or Annuitant. The Death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit for any changed Owner </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">or Annuitant will be Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Withdrawals may significantly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">reduce the benefit, potentially </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">by more than the amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">withdrawn.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Death Benefit will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">terminate upon entering the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Insured Income Stage for a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">single Protected Life or if you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">annuitize your Annuity.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Captures the Performance Lock Value of an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy at the end of any Valuation Day during the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Strategy Term.</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Standard</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">0%</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Only one Performance Lock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">may occur for any given Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy during an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy Term.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">May not be applied </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">retroactively and must be for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">the full amount of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock Value.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Cannot be reversed.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock Value will no </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">longer participate in the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy performance for the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">current Index Strategy Term.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">cannot be reallocated until the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">next Index Anniversary Date.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">We reserve the right to limit the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">use of the Performance Lock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">feature for certain Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategies.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">We may discontinue the use of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">this feature for future </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock requests at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">any time.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Systematic Withdrawal </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Program</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">An administrative program designed for you to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">withdraw a specified amount from your Annuity on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">an automated basis at the frequency you select.</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Standard</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;">0%</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Not available if you are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">receiving substantially equal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">periodic payments under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Sections 72(t) and 72(q) of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Code or Required Minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Distributions.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Terminates upon change of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">ownership or assignment.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:12pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'●';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:20pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Systematic withdrawals may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">be subject to surrender </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">charges, negative Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value adjustments, and tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">consequences.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="5" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">*Enhanced Cap Rate Index Strategies are only available on annuities with an Application Sign Date on or after July 1, 2024.</span></span> </div> </td> </tr> </table></div> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Linked Variable </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Benefit</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The built-in Benefit associated with the Annuity is a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">variable income benefit that allows you to receive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">your annual withdrawal amount over one lifetime </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">(“Protected Life”), or over the Owner/Annuitant and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">their spouse’s lifetime (“Joint Protected Lives”). </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Benefit provides lifetime income payments </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">initially based on a percentage of your Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value.</span> true 0.0145 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">If you remove the Benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">before Income Withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">begin, you will have paid for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">the Benefit without receiving </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">any of its advantages.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">If you remove the Benefit, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">cannot re-elect it at any point </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">in the future.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Withdrawals and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit may also end </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">prematurely if you take Excess </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income or you annuitize your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Contract.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit charges deducted prior </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">to an Index Strategy End Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">will result in an Interim Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">adjustment, which may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">negative.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Withdrawals may not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">begin until the Income Stage, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">and you can elect to begin the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Stage only on an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Anniversary Date after the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Waiting Period.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Withdrawals prior to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Stage will reduce the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit, perhaps significantly, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">because your future Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Amount will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">calculated using a lower </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Account Value.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">During the Income Stage, no </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Strategies are available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">other than the 1-year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Point-to-Point with Cap, 1-Year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Dual Directional, 1-year Step </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Rate Plus, and 1-year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Enhanced Cap Rate* Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategies.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Withdrawals of the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Amount may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">subject to negative Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value adjustments and tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">consequences.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Excess Income may be subject </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">to surrender charges, negative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Interim Value adjustments, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">tax consequences.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Excess Income may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">significantly reduce the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Income Amount for future </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Annuity Years, potentially by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">more than the amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">withdrawn.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Return of Purchase </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Payments Death Benefit</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Provides protection for your Beneficiary(ies) by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">ensuring that they receive the greater of the Return </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">of Purchase Payments Amount and Account Value.</span> true 0 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Death Benefit may not be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">electively terminated.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Death Benefit will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">terminate upon a change of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Owner or Annuitant. The Death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Benefit for any changed Owner </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">or Annuitant will be Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Withdrawals may significantly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">reduce the benefit, potentially </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">by more than the amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">withdrawn.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">The Death Benefit will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">terminate upon entering the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Insured Income Stage for a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">single Protected Life or if you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">annuitize your Annuity.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Captures the Performance Lock Value of an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy at the end of any Valuation Day during the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Index Strategy Term.</span> true 0 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Only one Performance Lock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">may occur for any given Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy during an Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy Term.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">May not be applied </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">retroactively and must be for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">the full amount of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock Value.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Cannot be reversed.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock Value will no </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">longer participate in the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategy performance for the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">current Index Strategy Term.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">cannot be reallocated until the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">next Index Anniversary Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">We reserve the right to limit the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">use of the Performance Lock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">feature for certain Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Strategies.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">We may discontinue the use of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">this feature for future </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Performance Lock requests at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">any time.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Systematic Withdrawal </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Program</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">An administrative program designed for you to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">withdraw a specified amount from your Annuity on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">an automated basis at the frequency you select.</span> true 0 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Not available if you are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">receiving substantially equal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">periodic payments under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Sections 72(t) and 72(q) of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Code or Required Minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Distributions.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Terminates upon change of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">ownership or assignment.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Systematic withdrawals may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">be subject to surrender </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">charges, negative Interim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">Value adjustments, and tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.02pt;;">consequences.</span> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>INDEX LINKED VARIABLE INCOME BENEFIT</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The built-in Benefit associated with the Annuity is an Index-linked variable income benefit, which allows you to receive your annual withdrawal amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">over one lifetime (“Protected Life”), or over the Owner/Annuitant and their spouse’s lifetime (“Joint Protected Lives”). </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Under the Benefit, initial income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payments are based on Account Value at the end of the Savings Stage which will, in part, reflect performance from investment in the Variable </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Variable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Option</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and Index Strategies. During the Income Stage it provides lifetime income with potential for increases in income and some downside protection.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You must remain in the Savings Stage for a minimum time period known as the Waiting Period. The Waiting Period is disclosed in the </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Linked </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Variable Income Benefit Supplement</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> applicable to your Contract upon purchase</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Only upon an Index Anniversary Date following the Waiting Period can you elect to begin your Income Stage, thus establishing the Income Effective </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Date. The election form to start Income will be part of your Reallocation Notice and follows the timing rules of the annual Reallocation Notice. During the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Stage of the Benefit, only the 1-year Point-to-Point with Cap Index Strategies</span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">,</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> 1-year Dual Directional Index Strategies</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, 1-year Step Rate Plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategies and 1-year Enhanced Cap Rate* Index Strategies</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> are available so you may have to reallocate to those available Strategies.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Election to begin the Income Stage must occur on an Index Anniversary Date following the Waiting Period regardless of when in that year you will take </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your first Income Withdrawal. The election to start Income is irrevocable. On this date, you must designate single Protected Life or Joint Protected Lives. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The designation of single or joint is irrevocable.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">*Enhanced Cap Rate Index Strategies are only available on annuities with an Application Sign Date on or after July 1, 2024.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Income Percentages</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> are disclosed in the </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Linked Variable Income Benefit Supplement </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable to your Annuity upon purchase. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable Income Percentage is</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> assigned as of the Index Effective Date and will never change for the life of the Annuity. The rate applied to the Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value to determine the Annual Income Amount is the Income Percentage. This percentage is based on the age of the Protected Life or younger of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Joint Protected Lives on the Index Effective Date. See the current Index Linked Variable Income Benefit Supplement for rate determination policies.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Income Deferral Rate</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> is an additional annual percentage added to the Income Percentage each year until the Income Effective Date. This </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">percentage will be based on the age of the Protected Life or younger of the Joint Protected Lives on the Index Effective Date and will not change for the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">life of the Benefit. The Income Deferral Rate will continue to apply even when withdrawals are taken prior to the Income Effective Date. See the current </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Linked Variable Income Benefit Supplement for rate determination policies.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The initial Annual Income Amount (AIA) is calculated on the Income Effective Date, regardless of when the first Income Withdrawal occurs. If there is one </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Protected Life at the time the Income Stage begins, the AIA will be determined by applying the Single Protected Life Income Percentage on the Annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to the Account Value. If there are Joint Protected Lives, the AIA will be determined by applying the Joint Protected Lives Income Percentage based on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">youngest Protected Life on the Annuity to the Account Value. This is the only time the Account Value and Income Percentage will be directly used to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calculate an AIA.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Every Index Anniversary Date thereafter will result in a recalculation of the AIA based on the Index Credit applied to the Index Strategies, gross of fees, to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which you are allocated. The change can be positive or negative.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">To maintain the Benefit, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Owner, Annuitant and Beneficiary designations</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> must be one of the following and meet the minimum/maximum age </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requirements for the Benefit:</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If there is a misstatement of the age and/or sex of a Protected Life or Joint Protected Life upon whose life the guarantees under this benefit are based, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">we will make adjustments to any availability and any benefits payable under the benefit to conform to the facts.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Income Withdrawals to begin on a Protected Life basis:</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Owner and Annuitant must be the same. Such person will be the Protected Life.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If two Owners are named, the Annuitant must be one of the Owners. Such person will be the Protected Life. The other Owner must </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be the spouse of the Protected Life. No additional Owners may be named. While both Owners are alive, each Owner must be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">designated as the other Owner’s primary Beneficiary.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Owner is an entity other than a custodial account that we permit, the Annuitant will be the Protected Life.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Owner is a custodial account that we permit, the Annuitant will be the Protected Life and the custodian will be the sole primary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Income Withdrawals to begin on a Joint Protected Lives basis:</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:0%;" width="100%"> <tr> <td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:0pt;text-align:left;align:left;vertical-align:top;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A Joint Protected Life may only be named and Income Withdrawals may be made on a Joint Protected Lives basis only if the Annuity would be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">eligible for Spousal Continuation (as defined in the Annuity) as of the date of the Owner’s death, subject to our rules.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If one Owner is named, the Owner and Annuitant must be the same. Such person will be the Protected Life. The Joint Protected Life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">must be the spouse of the Protected Life and the sole primary Beneficiary.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If two Owners are named, the Annuitant must be one of the Owners. Such person will be the Protected Life. The Joint Protected Life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">must also be an Owner and the spouse of the Protected Life. No additional Owners may be named. While both Joint Protected Lives </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">are alive, each must be designated as the sole primary Beneficiary.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Owner is an entity other than a custodial account that we permit, the Annuitant will be the Protected Life. The Joint Protected </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Life must be the spouse of the Protected Life and the sole primary Beneficiary.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Owner is a custodial account that we permit, the Annuitant will be the Protected Life and the custodian will be the sole primary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary. The Joint Protective Life must be the spouse of the Protected Life and the sole primary Beneficiary of the custodial </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">account.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A Joint Protected Life may be named or changed at any time prior to the Income Effective Date, subject to our acceptance. The Protected Life cannot be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">changed except in the event of divorce as described in the circumstances below. Upon receipt of notice of the divorce, and any other documentation we </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">require, in Good Order at our Service Center:</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When a Protected Life is named: If the divorce occurs prior to the Income Effective Date and results in the removal of the Protected </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Life as an Owner (or Annuitant if entity owned) and the former spouse becomes the Owner (or Annuitant if entity owned) under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity, the resulting Owner may choose to continue or terminate this Rider. If this Rider is continued, such resulting Owner (or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuitant if entity owned) becomes the Protected Life under this Rider, however the Annual Income Amount will be determined using </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the applicable Joint Protected Life Income Percentage and Income Deferral Rate based on the younger of the new Protected Life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and the Protected Life on the Effective Date. Additionally, a Joint Protected Life may not be named. If divorce occurs after the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Effective Date, and results in the removal of the Protected Life as an Owner (or Annuitant if entity owned) and the former </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">spouse becomes the Owner (or Annuitant if entity owned) under the Annuity, this Rider will terminate.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When Joint Protected Lives are named: If the divorce of the Joint Protected Lives results in the removal of the Protected Life as an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner (or Annuitant if entity owned) and the Joint Protected Life becomes the Owner (or Annuitant if entity owned) under this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity, the resulting Owner may choose to continue or terminate this Rider. If this Rider is continued, the resulting Owner (or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuitant if entity owned) becomes the Protected Life under this Rider. If this occurs prior to the Income Effective Date, the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Amount will be determined using the applicable Joint Protected Life Income Percentage and Income Deferral Rate based on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the younger of the Joint Protected Lives named under this Rider as of the divorce. If divorce occurs after the Income Effective Date, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the divorce will not result in a new Annual Income Amount and we will only make Income Payments as described below in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Payments section until the death of the new Protected Life. A new Joint Protected Life may not be named.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In most cases, change of ownership will trigger termination of the Benefit. The exceptions are when the beneficial Owner is not changing (e.g. ownership </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is transferred from an individual to a trust /entity with the same tax ID, or vice versa) or transferred from one entity to another or limited divorce </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">circumstances. Any change of Annuitant will cause the Benefit to terminate.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You will choose Single or Joint Life on the Index Anniversary Date in which you elect to start income following the Waiting Period. You may add, change </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or remove a Joint Protected Life at any time prior to the Income Effective Date. If a Joint Protected Life is added or changed, the Annual Income Amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will be adjusted to equal what it would have been had the Benefit been purchased with that Joint Protected Life named.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You must request to start Income on any Index Anniversary Date following the Waiting Period on an election form which must be received by us by the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Anniversary Date you want Income to begin and will be part of your Reallocation Notice you are sent 30 days prior to any given Index Anniversary.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Death of the Protected Life During the Savings Stage.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Please also refer to the “Termination of Benefit” </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subsection</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> below. Upon receipt of Due Proof </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of Death of the Protected Life, this Rider terminates and the Death Benefit provision of your Annuity and any Death Benefit Rider made a part of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity will apply. If Spousal Continuation occurs under the terms of the Annuity, this Rider will remain in force unless we are instructed otherwise and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the spouse who continues the Annuity and this Rider becomes the Joint Protected Life. If this occurs, the Income Percentage and Income Deferral Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will be based on the applicable Joint Protected Life correlated with the age of the younger of the Joint Protected Lives.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Income Amount (AIA)</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> is the maximum dollar amount that can be withdrawn in any given Annuity Year during the Income Stage without </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">being considered Excess Income. The first AIA is equal to the Account Value on the Income Effective Date, prior to the deduction of any fees or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals that occur on that day, multiplied by the relevant Income Percentage including any Income Deferral Credits based on the rates established </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as of the Index Effective Date and the Index Effective Date age of the Protected Life (or youngest of the Protected Lives if Joint).</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example (assuming no withdrawals or benefit charges):</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Issue Date: 8/1/2021</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Percentage at Index Effective Date: 3.75%</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Deferral Rate at Index Effective Date: 0.25%</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Purchase Payment: $50,000</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Income Effective Date is 8/1/2026 (5 years after Issue Date)</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value on Income Effective Date: $100,000.</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">On the Income Effective Date, the Account Value will be multiplied by (3.75% + 5 × 0.25% = 5.00%), and the AIA is equal to $5,000 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">($100,000 × 5.00%).</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AIA will increase or decrease on each Index Anniversary Date based on the Index Credit of the Index Strategies to which your Account Value is allocated.</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example (assuming no withdrawals or benefit charges):</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value on Income Effective Date: $100,000</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allocated 100% to the 1-Year Point-to-Point with Cap with a 10% Cap and a 10% Buffer</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AIA for first year: $5,000</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">On the 1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^st</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index Anniversary Date following the Income Effective Date, the Index Return is 9% and thus the Index Strategy receives </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an 9% Index Credit</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The AIA will increase by 9%, and your AIA is reset to $5,450 (($5,000 × (1 + 9%)).</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">On 2</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^nd</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index Anniversary Date following the Income Effective Date, the Index Return is -15% and thus the Index Strategy receives a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">-5% Index Credit (-15% + 10% Buffer).</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The AIA will decrease by 5%, and your AIA is reset to $5,177.50 (($5,450 × (1 + -5%)).</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you select multiple Index Strategies, we will use a weighted average of all Index Credits based on the percentage of Account Value in each Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy to determine the AIA increase or decrease. To determine the change in the AIA, we take the sum of the Index Credit for each Index Strategy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">divided by the sum of the Index Strategy Base for each Index Strategy before any Index Credit, fees, or withdrawals on the Index Strategy End Date.</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Example (assuming no withdrawals or benefit charges):</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value on Income Effective Date: $100,000</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allocated to:</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:6%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">■</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:94%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year Point-to-Point with Cap with 10% Buffer: 80%</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:6%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">■</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:94%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year Point-to-Point with Cap with 15% Buffer: 20%</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Index Strategy Base Values for each Index Strategy are as follows:</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:6%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">■</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:94%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year Point-to-Point with Cap with 10% Buffer: $80,000</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:6%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">■</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:94%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year Point-to-Point with Cap with 15% Buffer: $20,000</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AIA for first year: $5,000</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value on 1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^st</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index Anniversary Date following the Income Effective Date after Index Credit, but before any other activity: </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$107,600. Therefore, the Index Credit is ($107,600 – $100,000) = $7,600</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The AIA will increase by 7.60% ($7,600 / $100,000)), and your AIA will reset to $5,380 (($5,000 × (1 + 7.60%)).</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Index Strategy Base Values for each Index Strategy are as follows:</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:6%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">■</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:94%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year Point-to-Point with Cap with 10% Buffer: $86,800</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:6%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">■</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:94%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year Point-to-Point with Cap with 15% Buffer: $20,800</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value on 2</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^nd</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Index Anniversary Date following the Income Effective Date after Index Credit, but before any other activity: </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$93,500. Therefore, the Index Credit is equal to ($93,500 – $107,600) = - $14,100</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The AIA will decrease by 13.10% (-$14,100 / $107,600), and your AIA will reset to $4,675 (($5,380 × (1 + -13.10%)).</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AIA is available as a lump sum or systematically throughout the year. Any unused AIA in a year cannot be carried over to future years.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Surrender Charges do not apply to Income Withdrawals equal to or less than the AIA even in the case where they are greater than the Free Withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Amount.</span></div> <div><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>THE RETURN OF PURCHASE PAYMENTS DEATH BENEFIT</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Annuity provides a Death Benefit called the Return of Purchase Payments Death Benefit and will be attached to your Annuity contract once issued.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of the Death Benefit under the Return of Purchase Payments Death Benefit is equal to the greater of:</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"><span style="vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.</span></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Return of Purchase Payments Amount, defined below; and</span></td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="vertical-align:top;padding-top:1.5pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;"><span style="vertical-align:top;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.</span></td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;text-align:left;vertical-align:top;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Account Value on the date we receive Due Proof of Death.</span></td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Calculation of the Return of Purchase Payments Amount</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Initially, the Return of Purchase Payment amount is equal to the sum of all Purchase Payments allocated to the Annuity on its Issue Date. Thereafter, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount is reduced for any partial withdrawals. A withdrawal will cause a proportional reduction to the Return of Purchase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments Amount equal to the ratio of the amount of the withdrawal to the Account Value immediately prior to the withdrawal.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The proportional reduction in the Return of Purchase Payments Amount could be less or greater than the actual withdrawal based upon the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>level of the Account Value. If the Account Value exceeds the Return of Purchase Payments Amount prior to the withdrawal, then the impact on </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>the Return of Purchase Payments Amount would be less than the reduction in the Account Value. If the Return of Purchase Payments Amount </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>exceeds the Account Value prior to the withdrawal, then the impact on the Return of Purchase Payments Amount would exceed the reduction </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>in the Account Value. This is outlined in the below examples.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Example 1:</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount: $100,000</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Gross Withdrawal: $18,000</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value at time of Withdrawal: $118,000</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount Reduction Percent for Withdrawal: 15.25% ($18,000/$118,000)</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount after Withdrawal: $84,750 ($100,000 × (1- 15.25%))</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Example 2:</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount: $100,000</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Gross Withdrawal: $18,000</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value at time of Withdrawal: $90,000</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount Reduction Percent for Withdrawal: 20% ($18,000/$90,000)</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount after Withdrawal: $80,000 ($100,000 × (1 - 20%))</span></div> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Calculation of the Return of Purchase Payments Amount</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Initially, the Return of Purchase Payment amount is equal to the sum of all Purchase Payments allocated to the Annuity on its Issue Date. Thereafter, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount is reduced for any partial withdrawals. A withdrawal will cause a proportional reduction to the Return of Purchase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments Amount equal to the ratio of the amount of the withdrawal to the Account Value immediately prior to the withdrawal.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The proportional reduction in the Return of Purchase Payments Amount could be less or greater than the actual withdrawal based upon the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>level of the Account Value. If the Account Value exceeds the Return of Purchase Payments Amount prior to the withdrawal, then the impact on </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>the Return of Purchase Payments Amount would be less than the reduction in the Account Value. If the Return of Purchase Payments Amount </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>exceeds the Account Value prior to the withdrawal, then the impact on the Return of Purchase Payments Amount would exceed the reduction </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>in the Account Value. This is outlined in the below examples.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Example 1:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount: $100,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Gross Withdrawal: $18,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value at time of Withdrawal: $118,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount Reduction Percent for Withdrawal: 15.25% ($18,000/$118,000)</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount after Withdrawal: $84,750 ($100,000 × (1- 15.25%))</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Example 2:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount: $100,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Gross Withdrawal: $18,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value at time of Withdrawal: $90,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount Reduction Percent for Withdrawal: 20% ($18,000/$90,000)</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Purchase Payments Amount after Withdrawal: $80,000 ($100,000 × (1 - 20%))</span> <div><span style="text-transform:uppercase;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;text-transform:uppercase;;"><b>APPENDIX A – </b></span></span><span></span><span style="text-transform:uppercase;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;text-transform:uppercase;;"><b>INVESTMENT OPTIONS</b></span></span><span style="text-transform:uppercase;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;text-transform:uppercase;;"><b> AVAILABLE UNDER THE </b></span></span><span></span><span style="text-transform:uppercase;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;text-transform:uppercase;;"><b>CONTRACT</b></span></span><hr style="color:#000000;width:100%;float:center;text-align:center;size:2px;background-color:#000000;height:1px;"/></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Certain Investment Options may not be available through certain financial intermediaries. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See </b></span><a href="#ref_chapter_24-sect1_1_923444_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Appendix G</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>, “Financial Intermediary Variations” and </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>the </b></span><a href="#ref_chapter_1-sect1_1_51048_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cover Page</b></span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> for additional information</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Variable Options</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following is the Portfolio available under the </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. More information about the Portfolio is available in the prospectus for the Portfolio, which may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be amended from time to time and can be found online at </span><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><span style="text-decoration:underline;0.5 #000000 solid baseline 0 1 0">www.prudential.com/regdocs/PLAZ-FLEXGUARD-INC-USP</span></span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. You can also request this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information at no cost by calling 1-800-346-3778 or by sending an email to service@prudential.com.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The current expenses and performance information below reflects </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and expenses of the Portfolio, but do not reflect the other fees and expenses that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Contract may charge. Expenses would be higher, and performance would be lower if these other charges were included. The Portfolio’s past </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance is not necessarily an indication of future performance.</span></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:21.77449168207024%"></td> <td style="height:1px;background-color:#D8D8D8;;width:42.99075785582255%"></td> <td style="height:1px;background-color:#D8D8D8;;width:9.414048059149723%"></td> <td style="height:1px;background-color:#D8D8D8;;width:7.929759704251387%"></td> <td style="height:1px;background-color:#D8D8D8;;width:9.404805914972274%"></td> <td style="height:1px;background-color:#D8D8D8;;width:8.484288354898336%"></td> </tr> <tr> <td colspan="1" rowspan="2" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="padding-left:38.4pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fund Type</b></span></span></span> </div> </td> <td colspan="1" rowspan="2" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio Company and Advisor/Subadvisor</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Expenses</b></span></div> </td> <td colspan="3" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Average Annual Total Returns</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(as of 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fixed Income</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">PSF PGIM Government Money Market Portfolio - Class III</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:4pt;margin-left:0pt;"><i>PGIM Fixed Income</i></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.57</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">3.79</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.87</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">N/A</span></div> </td> </tr> </table></div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index-Linked Options</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following is a list of Index Strategies currently available under the Contract. We may change the features of the Index Strategies listed below </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including the Index and the current limits on Index gains and losses), offer new Index Strategies, and terminate existing Index Strategies. We will provide </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available at </span><a href="DUMMY_967_220_7"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">www.prudential.com/flexguard-income-rates</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. While the Benefit remains in force, you may not be able to invest in certain Index Strategies, as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">noted below.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Note: If amounts are removed from an Index Strategy before the end of its Index Strategy Term, we will apply an Interim Value adjustment. </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>This may result in a significant reduction in your Account Value that could exceed any protection from Index loss that would be in place if you </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>waited until the end of the Strategy Term.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">See “</span><a href="#ref_chapter_7-sect1_1_643978_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Description of Insurance Company, Registered Separate Account, and Investment Options</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” in the prospectus for a description of the Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategies’ features. See “</span><a href="#ref_chapter_8-sect1_1_51077_967"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges and Adjustments</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">” in the prospectus for more information about Interim Value adjustments.</span></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:21.10720887245841%"></td> <td style="height:1px;width:15.940850277264325%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.922365988909426%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.11090573012939%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Type of Index</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Strategy </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Term</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index Crediting </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Methodology</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Limit on </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index Loss </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(if held until </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>end of Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Strategy </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Term)</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Minimum Limit on Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Gain (for the life of the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index Strategy)</b></span></div> </td> </tr> <tr> <td colspan="6" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Point-to-Point with Cap Index Strategy</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Invesco QQQ ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Large-Cap Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> </table></div></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:21.10720887245841%"></td> <td style="height:1px;width:15.940850277264325%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.922365988909426%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.11090573012939%"></td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Invesco QQQ ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Large-Cap Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Invesco QQQ ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Large-Cap Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> </table></div></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:21.10720887245841%"></td> <td style="height:1px;width:15.940850277264325%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.922365988909426%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.11090573012939%"></td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="6" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Enhanced Cap Rate Index Strategy (For Annuities with an Application Sign Date on or after July 1, 2024)</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="6" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Step Rate Plus Index Strategy</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate Plus Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Step Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: 60%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate Plus Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Step Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: 60%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate Plus Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Step Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: 60%</span></div> </td> </tr> </table></div></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:21.10720887245841%"></td> <td style="height:1px;width:15.940850277264325%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.922365988909426%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.11090573012939%"></td> </tr> <tr> <td colspan="6" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Tiered Participation Rate Index Strategy</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="6" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Dual Directional Index Strategy</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> </table></div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">2. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This Index is an ETF. Index Values are based on the ETF’s closing prices. The Index Values reflect a “price return,” not a “total return,” and therefore </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">do not reflect the dividends paid on the securities in which the ETF invests. In addition, fees and costs are deducted from the ETF, which reduces the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ETF’s performance. These factors will reduce the Index Return and may cause the Index to underperform a direct investment in the ETF or the securities </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which the ETF invests.</span></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Depending on the Index Strategy, the maximum amount of loss that you could experience from negative Index performance,</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>after taking into account the current limits on Index loss provided under the Annuity, ranges from 0% (with 100% buffer) to 95%</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(with 5% buffer).</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The Company does not guarantee that the Annuity will always offer Index Strategies that limit Index losses, which would mean</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>risk of loss of the entire amount invested.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">●</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The Company limits the amount you can earn on an Index Strategy.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Point-to-Point with Cap Index Strategies, the Guaranteed Minimum Cap Rate equals 1% for a one-year Index Strategy</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Term, 5% for a three-year Index Strategy Term and 10% for a six-year Index Strategy Term.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Enhanced Cap Rate Index Strategies, the Guaranteed Minimum Cap Rate equals 1% and the Guaranteed Maximum</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Spread equals 3% for a one-year Index Strategy Term.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Step Rate Plus Index Strategies, the Guaranteed Minimum Step Rate equals 1% and the Guaranteed Minimum</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Participation Rate equals 60%.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Tiered Participation Rate Index Strategies, the Guaranteed Minimum Participation Rate equals 100% and the</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Guaranteed Maximum Tier Level equals 35%.</b></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>For Dual Directional Index Strategies, the Guaranteed Minimum Cap Rate equals 1% for a one-year Index Strategy Term and </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10% for a six-year Index Strategy Term.</b></span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Restrictions Related to the Benefit:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> During the Income Stage, only one-year Point-to-Point with Cap, one-year Dual Directional, one-year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate Plus, and one-year Enhanced Cap Rate Index Strategies are available for investment.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">See below for availability information during Income Stage for Step Rate Plus and Enhanced Cap Rate.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">• Step Rate Plus - Available on FlexGuard Income contracts with an Index Anniversary Date of July 1, 2025 and after.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">• Enhanced Cap Rate - Available on all FlexGuard Income contracts with an Index Anniversary Date of July 1, 2025 and after an Application Sign Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on/after July 1, 2024.</span></div> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following is the Portfolio available under the </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. More information about the Portfolio is available in the prospectus for the Portfolio, which may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be amended from time to time and can be found online at </span><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><span style="text-decoration:underline;0.5 #000000 solid baseline 0 1 0">www.prudential.com/regdocs/PLAZ-FLEXGUARD-INC-USP</span></span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. You can also request this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information at no cost by calling 1-800-346-3778 or by sending an email to service@prudential.com.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The current expenses and performance information below reflects </span><span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and expenses of the Portfolio, but do not reflect the other fees and expenses that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Contract may charge. Expenses would be higher, and performance would be lower if these other charges were included. The Portfolio’s past </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance is not necessarily an indication of future performance.</span> <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#D8D8D8;;width:21.77449168207024%"></td> <td style="height:1px;background-color:#D8D8D8;;width:42.99075785582255%"></td> <td style="height:1px;background-color:#D8D8D8;;width:9.414048059149723%"></td> <td style="height:1px;background-color:#D8D8D8;;width:7.929759704251387%"></td> <td style="height:1px;background-color:#D8D8D8;;width:9.404805914972274%"></td> <td style="height:1px;background-color:#D8D8D8;;width:8.484288354898336%"></td> </tr> <tr> <td colspan="1" rowspan="2" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="padding-left:38.4pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fund Type</b></span></span></span> </div> </td> <td colspan="1" rowspan="2" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio Company and Advisor/Subadvisor</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Expenses</b></span></div> </td> <td colspan="3" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Average Annual Total Returns</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(as of 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fixed Income</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">PSF PGIM Government Money Market Portfolio - Class III</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:4pt;margin-left:0pt;"><i>PGIM Fixed Income</i></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.57</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">3.79</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.87</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">N/A</span></div> </td> </tr> </table></div> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">PSF PGIM Government Money Market Portfolio - Class III</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:4pt;margin-left:0pt;"><i>PGIM Fixed Income</i></span> 0.0057 0.0379 0.0287 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following is a list of Index Strategies currently available under the Contract. We may change the features of the Index Strategies listed below </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including the Index and the current limits on Index gains and losses), offer new Index Strategies, and terminate existing Index Strategies. We will provide </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available at </span><a href="DUMMY_967_220_7"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">www.prudential.com/flexguard-income-rates</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. While the Benefit remains in force, you may not be able to invest in certain Index Strategies, as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">noted below.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Note: If amounts are removed from an Index Strategy before the end of its Index Strategy Term, we will apply an Interim Value adjustment. </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>This may result in a significant reduction in your Account Value that could exceed any protection from Index loss that would be in place if you </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>waited until the end of the Strategy Term.</b></span> <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:21.10720887245841%"></td> <td style="height:1px;width:15.940850277264325%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.922365988909426%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.11090573012939%"></td> </tr> <tr> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index</b></span></span> </div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Type of Index</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Strategy </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Term</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index Crediting </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Methodology</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Limit on </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index Loss </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(if held until </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>end of Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Strategy </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Term)</b></span></div> </td> <td colspan="1" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Minimum Limit on Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Gain (for the life of the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Index Strategy)</b></span></div> </td> </tr> <tr> <td colspan="6" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Point-to-Point with Cap Index Strategy</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Invesco QQQ ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Large-Cap Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:21.10720887245841%"></td> <td style="height:1px;width:15.940850277264325%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.922365988909426%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.11090573012939%"></td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Invesco QQQ ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Large-Cap Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Invesco QQQ ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Large-Cap Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:21.10720887245841%"></td> <td style="height:1px;width:15.940850277264325%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.922365988909426%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.11090573012939%"></td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Point-to-Point with Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="6" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Enhanced Cap Rate Index Strategy (For Annuities with an Application Sign Date on or after July 1, 2024)</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhanced Cap Rate Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Spread: 3%</span></div> </td> </tr> <tr> <td colspan="6" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Step Rate Plus Index Strategy</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate Plus Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Step Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: 60%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate Plus Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Step Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: 60%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Step Rate Plus Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Step Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: 60%</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:21.10720887245841%"></td> <td style="height:1px;width:15.940850277264325%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.922365988909426%"></td> <td style="height:1px;width:10.959334565619224%"></td> <td style="height:1px;width:20.11090573012939%"></td> </tr> <tr> <td colspan="6" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Tiered Participation Rate Index Strategy</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Small-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Exposure to Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Markets</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">International Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tiered Participation Rate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Participation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Maximum Tier Level: 35%</span></div> </td> </tr> <tr> <td colspan="6" style="background-color:#D8D8D8;;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#D8D8D8;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Dual Directional Index Strategy</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Large-Cap </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equities</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6-Year</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dual Directional Index </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Strategy</span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Buffer</span></div> </td> <td colspan="1" style="vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Cap Rate: </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">10</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div> </td> </tr> </table></div> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P1Y Point-to-Point with Cap Index Strategy 0.10 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span> International Equities P1Y Point-to-Point with Cap Index Strategy 0.10 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Invesco QQQ ETF</span></span> Large-Cap Equities P1Y Point-to-Point with Cap Index Strategy 0.10 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span> U.S. Small-Cap Equities P1Y Point-to-Point with Cap Index Strategy 0.10 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P1Y Point-to-Point with Cap Index Strategy 0.15 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span> International Equities P1Y Point-to-Point with Cap Index Strategy 0.15 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Invesco QQQ ETF</span></span> Large-Cap Equities P1Y Point-to-Point with Cap Index Strategy 0.15 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span> U.S. Small-Cap Equities P1Y Point-to-Point with Cap Index Strategy 0.15 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P1Y Point-to-Point with Cap Index Strategy 0.30 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span> International Equities P1Y Point-to-Point with Cap Index Strategy 0.30 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Invesco QQQ ETF</span></span> Large-Cap Equities P1Y Point-to-Point with Cap Index Strategy 0.30 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span> U.S. Small-Cap Equities P1Y Point-to-Point with Cap Index Strategy 0.30 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P1Y Point-to-Point with Cap Index Strategy 1 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P3Y Point-to-Point with Cap Index Strategy 0.10 Buffer 0.05 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span> International Equities P3Y Point-to-Point with Cap Index Strategy 0.10 Buffer 0.05 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span> U.S. Small-Cap Equities P3Y Point-to-Point with Cap Index Strategy 0.10 Buffer 0.05 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span> U.S. Large-Cap Equities with Exposure to Global Equity Markets P3Y Point-to-Point with Cap Index Strategy 0.10 Buffer 0.05 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P3Y Point-to-Point with Cap Index Strategy 0.20 Buffer 0.05 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span> U.S. Small-Cap Equities P3Y Point-to-Point with Cap Index Strategy 0.20 Buffer 0.05 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span> International Equities P3Y Point-to-Point with Cap Index Strategy 0.20 Buffer 0.05 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span> U.S. Large-Cap Equities with Exposure to Global Equity Markets P3Y Point-to-Point with Cap Index Strategy 0.20 Buffer 0.05 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P6Y Point-to-Point with Cap Index Strategy 0.20 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span> International Equities P6Y Point-to-Point with Cap Index Strategy 0.20 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span> U.S. Small-Cap Equities P6Y Point-to-Point with Cap Index Strategy 0.20 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span> U.S. Large-Cap Equities with Exposure to Global Equity Markets P6Y Point-to-Point with Cap Index Strategy 0.20 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span> International Equities P6Y Point-to-Point with Cap Index Strategy 0.20 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P6Y Point-to-Point with Cap Index Strategy 0.30 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span> International Equities P6Y Point-to-Point with Cap Index Strategy 0.30 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span> U.S. Small-Cap Equities P6Y Point-to-Point with Cap Index Strategy 0.30 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span> U.S. Large-Cap Equities with Exposure to Global Equity Markets P6Y Point-to-Point with Cap Index Strategy 0.30 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span> International Equities P6Y Point-to-Point with Cap Index Strategy 0.30 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> U.S. Large-Cap Equities P1Y Enhanced Cap Rate Index Strategy 0.10 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> U.S. Large-Cap Equities P1Y Enhanced Cap Rate Index Strategy 0.10 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> International Equities P1Y Enhanced Cap Rate Index Strategy 0.10 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> International Equities P1Y Enhanced Cap Rate Index Strategy 0.10 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> U.S. Large-Cap Equities P1Y Enhanced Cap Rate Index Strategy 0.15 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®1</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> U.S. Large-Cap Equities P1Y Enhanced Cap Rate Index Strategy 0.15 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread A</span></span> International Equities P1Y Enhanced Cap Rate Index Strategy 0.15 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, Spread B</span></span> International Equities P1Y Enhanced Cap Rate Index Strategy 0.15 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P1Y Step Rate Plus Index Strategy 0.05 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span> International Equities P1Y Step Rate Plus Index Strategy 0.05 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P1Y Step Rate Plus Index Strategy 0.10 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P6Y Tiered Participation Rate Index Strategy 0.05 Buffer 1 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span> International Equities P6Y Tiered Participation Rate Index Strategy 0.05 Buffer 1 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">iShares</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^®</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Russell 2000 ETF</span></span> U.S. Small-Cap Equities P6Y Tiered Participation Rate Index Strategy 0.05 Buffer 1 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span> U.S. Large-Cap Equities with Exposure to Global Equity Markets P6Y Tiered Participation Rate Index Strategy 0.05 Buffer 1 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span> International Equities P6Y Tiered Participation Rate Index Strategy 0.05 Buffer 1 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P6Y Tiered Participation Rate Index Strategy 0.10 Buffer 1 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MSCI EAFE</span></span> International Equities P6Y Tiered Participation Rate Index Strategy 0.10 Buffer 1 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AB 500 Plus Index</span></span> U.S. Large-Cap Equities with Exposure to Global Equity Markets P6Y Tiered Participation Rate Index Strategy 0.10 Buffer 1 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dimensional International </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equity Focus</span></span> International Equities P6Y Tiered Participation Rate Index Strategy 0.10 Buffer 1 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P1Y Dual Directional Index Strategy 0.10 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P1Y Dual Directional Index Strategy 0.15 Buffer 0.01 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P6Y Dual Directional Index Strategy 0.10 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P6Y Dual Directional Index Strategy 0.15 Buffer 0.10 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">S&amp;P 500</span></span> U.S. Large-Cap Equities P6Y Dual Directional Index Strategy 0.20 Buffer 0.10 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This Index is an ETF. Index Values are based on the ETF’s closing prices. The Index Values reflect a “price return,” not a “total return,” and therefore </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">do not reflect the dividends paid on the securities in which the ETF invests. In addition, fees and costs are deducted from the ETF, which reduces the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ETF’s performance. These factors will reduce the Index Return and may cause the Index to underperform a direct investment in the ETF or the securities </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which the ETF invests.</span> <div><span style="text-transform: uppercase"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 12.02pt; text-transform: uppercase">ITEM 31A. INFORMATION ABOUT CONTRACTS WITH INDEX-LINKED OPTIONS AND FIXED OPTIONS SUBJECT TO A CONTRACT </span></span><span style="text-transform: uppercase"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 12.02pt; text-transform: uppercase">ADJUSTMENT:</span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">(a) As of December 31, 2025:</span></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:16.12569316081331%"></td> <td style="height:1px;width:13.948243992606283%"></td> <td style="height:1px;width:13.948243992606283%"></td> <td style="height:1px;width:13.948243992606283%"></td> <td style="height:1px;width:13.948243992606283%"></td> <td style="height:1px;width:13.948243992606283%"></td> <td style="height:1px;width:14.133086876155266%"></td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Name of the Contract</b></span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Number of </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Contracts </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Outstanding</b></span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Total Value </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Attributable to the </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Index-Linked </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Option and/or </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Fixed Option </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>subject to an </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Adjustment</b></span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Number of </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Contracts Sold </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>During the Prior </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Calendar Year</b></span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Gross Premiums </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Received During </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>the Prior Calendar </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Year</b></span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Amount of </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Contract Value </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Redeemed During </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>the Prior Calendar </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Year</b></span></div> </td> <td colspan="1" style="border-bottom:1.5pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Combination </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt"><b>Contract</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt">FlexGuard Income</span></span> </div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt">18,284</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt">$5,285,955,442.98</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt">4,305</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt">$1,106,518,935.00</span></div> </td> <td colspan="1" style="border-right:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt">-$85,469,993.00</span></div> </td> <td colspan="1" style="vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 9.02pt">Yes</span> </div> </td> </tr> </table></div> FlexGuard Income 18284 5285955442.98 4305 1106518935 -85469993 true 1.Withdrawal Charges in subsequent years* 1.Withdrawal Charges in subsequent years* 1.An Interim Value adjustment will apply upon any withdrawal, death benefit payment, transfer, Annuitization, Benefit charge or surrender that occurs during an Index Strategy Term other than on the Index Strategy Start Date or Index Strategy End Date. An Interim Value adjustment may be positive, negative or equal to zero. A negative Interim Value adjustment will result in loss. 1.Mortality and expense risk charge and administration charge (as a percentage of the net assets of the Variable Option) 2.For Net Purchase Payments equal to or greater than $1,000,000 the charge will be 1.20%. 3.The Benefit is included upon issuance of the Contract. The Benefit may be cancelled after three years. If it is cancelled the Benefit charge will no longer apply. The additional information below may be applicable to the Portfolios listed in the above table. PGIM Fixed Income is a business unit of PGIM, Inc. 1.This Portfolio is not available during the Income Stage of the Benefit.