0000072499 2026-04-17 2026-04-17 0000072499 vip:RiskOfLossMember 2026-04-17 2026-04-17 0000072499 vip:EarlyWithdrawalRiskMember 2026-04-17 2026-04-17 0000072499 allianz:IncomeBenefitRisksMember 2026-04-17 2026-04-17 0000072499 allianz:RiskOfChangeToTheIncomeBenefitSupplementPriorToTheIssueDateMember 2026-04-17 2026-04-17 0000072499 allianz:IndexRisksMember 2026-04-17 2026-04-17 0000072499 allianz:RisksAssociatedWithTheDailyAdjustmentMember 2026-04-17 2026-04-17 0000072499 allianz:RisksAssociatedWithCalculationOfPerformanceCreditsMember 2026-04-17 2026-04-17 0000072499 allianz:RisksAssociatedWithPerformanceLocksAndEarlyReallocationsMember 2026-04-17 2026-04-17 0000072499 allianz:RisksAssociatedWithSubstitutionOfAnIndexAndLimitationOnFurtherInvestmentsMember 2026-04-17 2026-04-17 0000072499 allianz:RisksAssociatedWithChangesToTriggerRatesCapsAndParticipationRatesMember 2026-04-17 2026-04-17 0000072499 allianz:RisksOfDeductingInvestmentAdvisoryFeesFromTheContractMember 2026-04-17 2026-04-17 0000072499 allianz:OtherContractChangesRiskMember 2026-04-17 2026-04-17 0000072499 allianz:RisksAssociatedWithOurFinancialStrengthAndClaimsPayingAbilityMember 2026-04-17 2026-04-17 0000072499 allianz:BusinessAndOperationalRisksRelevantToTheContractMember 2026-04-17 2026-04-17 0000072499 allianz:IndexProtectionStrategyWithTriggerMember 2026-04-17 2026-04-17 0000072499 allianz:IndexDualPrecisionStrategyIndexPrecisionStrategyAndIndexPerformanceStrategyMember 2026-04-17 2026-04-17 0000072499 allianz:IndexGuardStrategyMember 2026-04-17 2026-04-17 0000072499 allianz:FreeWithdrawalPrivilegeMember 2026-04-17 2026-04-17 0000072499 allianz:MinimumDistributionProgramMember 2026-04-17 2026-04-17 0000072499 allianz:InvestmentAdvisoryFeesMember 2026-04-17 2026-04-17 0000072499 allianz:IncomeBenefitMember 2026-04-17 2026-04-17 0000072499 allianz:TraditionalDeathBenefitMember 2026-04-17 2026-04-17 0000072499 allianz:PerformanceLockAndEarlyReallocationsMember 2026-04-17 2026-04-17 0000072499 allianz:MaximumAnniversaryValueDeathBenefitMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepUp100DownsideProtectionMember allianz:SP500IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepUp100DownsideProtectionMember allianz:Russell2000IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepUp100DownsideProtectionMember allianz:Nasdaq100IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepUp100DownsideProtectionMember allianz:EUROSTOXX50Member 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepUp100DownsideProtectionMember allianz:iSharesMSCIEmergingMarketsETFMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap100DownsideProtectionMember allianz:SP500IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap100DownsideProtectionMember allianz:Russell2000IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap100DownsideProtectionMember allianz:Nasdaq100IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap100DownsideProtectionMember allianz:EUROSTOXX50Member 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap100DownsideProtectionMember allianz:iSharesMSCIEmergingMarketsETFMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepup102030BufferMember allianz:SP500IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepup102030BufferMember allianz:Russell2000IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepup102030BufferMember allianz:Nasdaq100IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepup102030BufferMember allianz:EUROSTOXX50Member 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepup102030BufferMember allianz:iSharesMSCIEmergingMarketsETFMember 2026-04-17 2026-04-17 0000072499 allianz:ThreeYearTermPointToPointWithStepUp102030BufferMember allianz:SP500IndexMember 2026-04-17 2026-04-17 0000072499 allianz:ThreeYearTermPointToPointWithStepUp102030BufferMember allianz:Russell2000IndexMember 2026-04-17 2026-04-17 0000072499 allianz:SixYearTermPointToPointWithStepup102030BufferMember allianz:SP500IndexMember 2026-04-17 2026-04-17 0000072499 allianz:SixYearTermPointToPointWithStepup102030BufferMember allianz:Russell2000IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepup10BufferMember allianz:SP500IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepup10BufferMember allianz:Russell2000IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepup10BufferMember allianz:Nasdaq100IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepup10BufferMember allianz:EUROSTOXX50Member 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithStepup10BufferMember allianz:iSharesMSCIEmergingMarketsETFMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap10FloorMember allianz:SP500IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap10FloorMember allianz:Russell2000IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap10FloorMember allianz:Nasdaq100IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap10FloorMember allianz:EUROSTOXX50Member 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap10FloorMember allianz:iSharesMSCIEmergingMarketsETFMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap102030BufferMember allianz:SP500IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap102030BufferMember allianz:Russell2000IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap102030BufferMember allianz:Nasdaq100IndexMember 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap102030BufferMember allianz:EUROSTOXX50Member 2026-04-17 2026-04-17 0000072499 allianz:OneYearTermPointToPointWithCap102030BufferMember allianz:iSharesMSCIEmergingMarketsETFMember 2026-04-17 2026-04-17 0000072499 allianz:ThreeYearTermPointToPointWithCapAndEnhancedUpside102030BufferMember allianz:SP500IndexMember 2026-04-17 2026-04-17 0000072499 allianz:ThreeYearTermPointToPointWithCapAndEnhancedUpside102030BufferMember allianz:Russell2000IndexMember 2026-04-17 2026-04-17 0000072499 allianz:SixYearTermPointToPointWithCapAndEnhancedUpside102030BufferMember allianz:SP500IndexMember 2026-04-17 2026-04-17 0000072499 allianz:SixYearTermPointToPointWithCapAndEnhancedUpside102030BufferMember allianz:Russell2000IndexMember 2026-04-17 2026-04-17 pure iso4217:USD N-4 N-4 ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Options.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> You may allocate your Purchase Payments to any or all of the Index Options available under your Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Contract currently offers Index Options with different types of Crediting Methods, including the Index Protection Strategy with Trigger, Index Protection Strategy with Cap, Index Precision Strategy, Index Dual Precision Strategy, Index Guard Strategy, and Index Performance Strategy.</span></div> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We credit positive, zero, or negative Performance Credits (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, positive, zero, or negative interest) at the end of a Term for amounts allocated to an Index Option based, in part, on the performance of the applicable Index (the Index Return).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option offers a certain level of protection from negative Index Returns.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option offers a certain level of protection from negative Index Returns.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Protection Strategy with Trigger and Index Protection Strategy with Cap offer complete (or 100%) protection from negative Index Returns. For example, if at the end of a Term, the Index Return is -25%, we will apply a 0% Performance Credit to your investment (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, no loss due to the negative Index Return).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Other Index Options include a feature, either a Buffer or Floor, that provides limited protection from negative Index Returns. Under these other Index Options, you may lose a significant amount of money if an Index declines in value.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">○ </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Buffer – A Buffer is the maximum amount of negative Index Return that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">we</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> absorb before applying a negative Performance Credit. For example, if at the end of a Term, the Index Return is -25% and the Buffer is 10%, we apply a Performance Credit of -15%, meaning your Contract Value allocated to that Index Option will decrease by 15% since the Term Start Date. This reflects the negative Index Return that exceeds the protection of the 10% Buffer. The Index Precision Strategy, Index Dual Precision Strategy, and Index Performance Strategy offer Index Options with Buffers.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">○ </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Floor – A Floor, on the other hand, is the maximum amount of negative Index Return </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">you</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> absorb as a negative Performance Credit. We absorb any negative Index Return beyond the Floor. For example, if the Index Return is -25% and the Floor is -10%, we apply a Performance Credit of -10%, meaning your Contract Value allocated to that Index Option will decrease by 10% since the Term Start Date. This reflects the negative Index Return down to the -10% Floor and no further reduction in Index Option Value occurring as a result. The Index Guard Strategy offers Index Options with a Floor.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current limit on Index loss for an Index Option will not change for the life of that Index Option. However, we reserve the right to add new Index Options, as well as close Index Options to new Purchase Payments and transfers. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option or discontinue accepting new allocations into an Index Option.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If we offer a new Index Option with a Buffer or Floor in the future, the Buffer or Floor will be no lower than 5% or -25%, respectively.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">At least one Index Option with a Buffer no lower than 5% or Floor no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">25%, or an Index Option that provides complete protection from Index losses, will always be available for renewal under the Contract.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Other Index Options include a feature, either a Buffer or Floor, that provides limited protection from negative Index Returns. Under these other Index Options, you may lose a significant amount of money if an Index declines in value.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current limit on Index loss for an Index Option will not change for the life of that Index Option. However, we reserve the right to add new Index Options, as well as close Index Options to new Purchase Payments and transfers. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option or discontinue accepting new allocations into an Index Option.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">At least one Index Option with a Buffer no lower than 5% or Floor no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">25%, or an Index Option that provides complete protection from Index losses, will always be available for renewal under the Contract.</span></div> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option also has an upside feature, either a Trigger Rate, Cap, and/or Participation Rate, used in the calculation of positive Performance Credits, if any, that may be credited to your investment at the end of a Term. We may limit the amount you can earn on an Index Option based on the Trigger Rate, Cap or Participation Rate, as applicable.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Trigger Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> – A Trigger Rate represents the positive Performance Credit, if any, that may apply on the Term End Date. The Index Precision Strategy, Index Dual Precision Strategy, and Index Protection Strategy with Trigger offer Index Options with a Trigger Rate.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">○ </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Precision Strategy and Index Protection Strategy with Trigger, the Trigger Rate will apply if the Index Return is positive or zero. For example, if at the end of a Term, the Index Return is 6% and the Trigger Rate is 3%, we apply a Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">○ </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Dual Precision Strategy, the Trigger Rate will apply if the Index Return is positive, zero, or to a limited extent, negative. For example, assume a Trigger Rate of 3% and a Buffer of 10%. If at the end of a Term, the Index Return is positive, zero, or negative but no lower than -10% (i.e., not in excess of the Buffer), we apply a positive Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date. However, if the negative Index Return were lower than -10% (i.e., in excess of the Buffer), we apply a negative Performance Credit equal to the negative Index Return plus the Buffer, as previously summarized above.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cap – A Cap represents the maximum positive Performance Credit, if any, applied on a Term End Date. For example, if at the end of a Term, the Index Return is 12% and the Cap is 10%, we apply a Performance Credit of 10%, meaning your Contract Value allocated to that Index Option will increase by 10% since the Term Start Date. The Index Protection Strategy with Cap, Index Guard Strategy, and Index Performance Strategy offer Index Options with a Cap. Index Performance Strategy multi-year Term Index Options have both a Cap and a Participation Rate (as described below).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">Participation Rate</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> – A Participation Rate is the percentage that is multiplied by a positive Index Return in calculating a positive Performance Credit, if any, subject to any applicable Cap. For example, if at the end of a Term, the Participation Rate is 100%, the Cap is 15%, and the Index Return is 12% (which is lower than the Cap), we apply a Performance Credit of 12% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 100% x 12%). However, if the Index Return were instead 20% (which is higher than the Cap), we would apply the Cap and a Performance Credit of 15% would be applied. Index Performance Strategy multi-year Term Index Options have both a Participation Rate and a Cap.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Trigger Rate, Cap, and/or Participation Rate for an Index Option will change from Term to Term, subject to a specified guaranteed minimum that will not change for the life of that Index Option. Guaranteed minimum Trigger Rates, Caps, and/or Participation Rates vary by Index Option.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If we add a new Index Option to the Contract in the future, the lowest Trigger Rate, Cap, and Participation Rate that we may establish are 0.05%, 0.05%, and 5.00%, respectively. For example, if the Trigger Rate or Cap for a new Index Option is 0.05% and the Index Return is 10%, a 0.05% Performance Credit would be applied. Similarly, if the Participation Rate for a new Index Option is 5.00%, the Index Option is uncapped, and the Index Return is 10%, a 0.50% Performance Credit would be applied.</span></div> Each Index Option also has an upside feature, either a Trigger Rate, Cap, and/or Participation Rate, used in the calculation of positive Performance Credits, if any, that may be credited to your investment at the end of a Term. Before the end of an Index Option’s Term, if you take any type of withdrawal, execute a Performance Lock, begin Income Payments or Annuity Payments, or if we pay a death benefit or deduct a fee or expense, we base the transaction on the interim Index Option Value, which includes the Daily Adjustment. The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment for the Index Protection Strategy with Trigger and Index Protection Strategy with Cap can only be positive or zero – it cannot be negative. However, the Daily Adjustment can be positive, zero, or negative with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy. <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">The Daily Adjustment fluctuates daily and, if it is negative, you could lose a significant amount of money.</span> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">FEES, EXPENSES, AND ADJUSTMENTS</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Prospectus</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</span></div> </div> </td> </tr> <tr style="height:372.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges or </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">for Early </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div> </div> </td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, your Contract may be subject to charges for early withdrawals. If you withdraw money </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">within seven years after we establish an Annual Contribution Amount, an MVA based on </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">changes in interest rates will apply. An MVA may be positive, negative, or equal to zero. The </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">maximum negative MVA is -10% (as a percentage of Contract Value for a full withdrawal, or </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">as a percentage of the amount withdrawn for a partial withdrawal). For example, if you take </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a $100,000 withdrawal during the period the MVA applies, you could lose up to $10,000 due </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to a negative MVA. This loss will be greater if there is a negative Daily Adjustment, income </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">taxes, or tax penalties.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">In addition, if you take a full or partial withdrawal from an Index Option on a date other than </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term End Date, a Daily Adjustment will apply to the Index Option Value available for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal. The Daily Adjustment also applies if before the Term End Date you take Income </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Payments, you execute a Performance Lock, you annuitize the Contract, we pay a death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefit, or we deduct Contract fees, expenses, or investment advisory fees you authorize </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Financial Professional’s firm to receive from the Contract. The Daily Adjustment may </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">be negative depending on the applicable Crediting Method. You will lose money if the Daily </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Adjustment is negative.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.9pt;">Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:19.0pt;">and Index Performance Strategy</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. Daily Adjustments under these Crediting Methods </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">may be positive, negative, or equal to zero. A negative Daily Adjustment will result in a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">loss, and could result in a loss beyond the protection of the 10%, 20%, or 30% Buffer; </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">or -10% Floor, as applicable. The maximum potential loss from a negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">Adjustment is: -99% for the Index Dual Precision Strategy, Index Precision Strategy, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">and Index Performance Strategy; and -35% for the Index Guard Strategy. For </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">example, if you allocate $100,000 to a 1-year Term Index Option with 10% Buffer and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">later withdraw the entire amount before the Term has ended, you could lose up to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">$99,000 of your investment. This loss will be greater if you also are subject to a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">negative MVA, income taxes, and tax penalties.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:19.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.9pt;">Index Protection Strategy with Trigger and Index Protection Strategy with Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">Daily Adjustments under these Crediting Methods may be positive or equal to zero, but </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">cannot be negative.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7. Expenses and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix C – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustment</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div> </div> </td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Other than negative MVAs and Daily Adjustments that may apply to withdrawals and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">other transactions under the Contract, there are no other transaction charges.</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not Applicable</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">FEES, EXPENSES, AND ADJUSTMENTS</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Prospectus</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</span></div> </div> </td> </tr> <tr style="height:181pt;"> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses?</span></div> </div> </td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, there are ongoing fees and expenses. The table below describes the fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses that you may pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, depending on the options you choose. Please refer </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to your Contract specifications page for information about the specific fees you will pay </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> based on the options you have elected. These ongoing fees and expenses do </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">not reflect any investment advisory fees paid to a Financial Professional from your Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value or other assets of the Owner. If such charges were reflected, these ongoing fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses would be higher.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">There is an implicit ongoing fee on Index Options to the extent that your participation </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">in Index gains is limited by us through a Cap or Trigger Rate. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">This means that your </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">returns may be lower than the Index’s returns. In return for accepting this limit on Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">gains, you will receive some protection from Index losses. This implicit ongoing fee is not </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reflected in the tables below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Additionally, if we add Index Options with a guaranteed </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">minimum Participation Rate less than 100%, the Participation Rate would be an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">implicit ongoing fee and limit Index gains.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> </div> </td> <td rowspan="5" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1. The Contract – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Advisory Fees</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7. Expenses and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix A – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options Available </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Under the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:173pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Base Contract</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.96%</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.96%</span></div> </div> </td> </tr> <tr style="height:27pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Options</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Fund fees and expenses)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> </td> </tr> <tr style="height:38pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional Benefits Available for an Additional </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(for a single optional benefit, if elected)</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span></div> </div> </td> </tr> <tr style="height:32pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> <div style="line-height:9pt;text-align:left;margin-top:-9pt;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Base Contract fee is comprised of two charges referred to as the “product fee” and the “rider fee for the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Income Benefit” in the Contract and elsewhere in this prospectus. As a percentage of the Charge Base, plus </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">an amount attributable to the contract maintenance charge.</span></div> </div> </td> <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> <div style="line-height:9pt;text-align:left;margin-top:-9pt;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"> <span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the AZL Government Money Market Fund's average daily net assets.</span></div> </div> </td> <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:23pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(3)</span> <div style="clear:right;"> </div> </div> </div> <div style="line-height:9pt;text-align:left;margin-top:-9pt;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the Charge Base. This is the current charge for the Maximum Anniversary Value Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Benefit.</span></div> </div> </td> <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:77pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices you make affect how much you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay. To help you understand the cost of owning your Contract, the following table shows the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lowest and highest cost you could pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assumes that you do not take withdrawals from the Contract, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add a negative </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment and/or negative MVA that could substantially increase costs.</span></div> </div> </td> <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:27pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:173pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,506</span></div> </div> </td> <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:170pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,677</span></div> </div> </td> <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:134pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:173pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option (even though you cannot select </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the Variable Option for investment)</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">0.70% Income Benefit rider fee</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Traditional Death Benefit</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No investment advisory fees</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> </div> </td> <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:170pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Assumes:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option (even though you cannot select </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the Variable Option for investment)</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">0.70% Income Benefit rider fee</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Maximum Anniversary Value Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Benefit with a 0.20% rider fee</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No investment advisory fees</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> </tr> </table> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges or </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">for Early </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, your Contract may be subject to charges for early withdrawals. If you withdraw money </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">within seven years after we establish an Annual Contribution Amount, an MVA based on </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">changes in interest rates will apply. An MVA may be positive, negative, or equal to zero. The </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">maximum negative MVA is -10% (as a percentage of Contract Value for a full withdrawal, or </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">as a percentage of the amount withdrawn for a partial withdrawal). For example, if you take </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a $100,000 withdrawal during the period the MVA applies, you could lose up to $10,000 due </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to a negative MVA. This loss will be greater if there is a negative Daily Adjustment, income </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">taxes, or tax penalties.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">In addition, if you take a full or partial withdrawal from an Index Option on a date other than </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term End Date, a Daily Adjustment will apply to the Index Option Value available for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal. The Daily Adjustment also applies if before the Term End Date you take Income </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Payments, you execute a Performance Lock, you annuitize the Contract, we pay a death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefit, or we deduct Contract fees, expenses, or investment advisory fees you authorize </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Financial Professional’s firm to receive from the Contract. The Daily Adjustment may </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">be negative depending on the applicable Crediting Method. You will lose money if the Daily </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Adjustment is negative.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.9pt;">Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:19.0pt;">and Index Performance Strategy</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. Daily Adjustments under these Crediting Methods </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">may be positive, negative, or equal to zero. A negative Daily Adjustment will result in a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">loss, and could result in a loss beyond the protection of the 10%, 20%, or 30% Buffer; </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">or -10% Floor, as applicable. The maximum potential loss from a negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">Adjustment is: -99% for the Index Dual Precision Strategy, Index Precision Strategy, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">and Index Performance Strategy; and -35% for the Index Guard Strategy. For </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">example, if you allocate $100,000 to a 1-year Term Index Option with 10% Buffer and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">later withdraw the entire amount before the Term has ended, you could lose up to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">$99,000 of your investment. This loss will be greater if you also are subject to a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">negative MVA, income taxes, and tax penalties.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:19.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:11.9pt;">Index Protection Strategy with Trigger and Index Protection Strategy with Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">Daily Adjustments under these Crediting Methods may be positive or equal to zero, but </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">cannot be negative.</span></div> 7 -0.10 <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Other than negative MVAs and Daily Adjustments that may apply to withdrawals and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">other transactions under the Contract, there are no other transaction charges.</span></div> </div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not Applicable</span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses?</span></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, there are ongoing fees and expenses. The table below describes the fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses that you may pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, depending on the options you choose. Please refer </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to your Contract specifications page for information about the specific fees you will pay </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> based on the options you have elected. These ongoing fees and expenses do </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">not reflect any investment advisory fees paid to a Financial Professional from your Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value or other assets of the Owner. If such charges were reflected, these ongoing fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses would be higher.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">There is an implicit ongoing fee on Index Options to the extent that your participation </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">in Index gains is limited by us through a Cap or Trigger Rate. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">This means that your </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">returns may be lower than the Index’s returns. In return for accepting this limit on Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">gains, you will receive some protection from Index losses. This implicit ongoing fee is not </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reflected in the tables below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Additionally, if we add Index Options with a guaranteed </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">minimum Participation Rate less than 100%, the Participation Rate would be an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">implicit ongoing fee and limit Index gains.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1. The Contract – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Advisory Fees</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7. Expenses and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix A – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options Available </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Under the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Base Contract</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.96%</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.96%</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Options</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Fund fees and expenses)</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional Benefits Available for an Additional </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(for a single optional benefit, if elected)</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> <div style="line-height:9pt;text-align:left;margin-top:-9pt;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Base Contract fee is comprised of two charges referred to as the “product fee” and the “rider fee for the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Income Benefit” in the Contract and elsewhere in this prospectus. As a percentage of the Charge Base, plus </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">an amount attributable to the contract maintenance charge.</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> <div style="line-height:9pt;text-align:left;margin-top:-9pt;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"> <span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the AZL Government Money Market Fund's average daily net assets.</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(3)</span> <div style="clear:right;"> </div> </div> </div> <div style="line-height:9pt;text-align:left;margin-top:-9pt;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the Charge Base. This is the current charge for the Maximum Anniversary Value Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Benefit.</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices you make affect how much you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay. To help you understand the cost of owning your Contract, the following table shows the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lowest and highest cost you could pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assumes that you do not take withdrawals from the Contract, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add a negative </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment and/or negative MVA that could substantially increase costs.</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,506</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,677</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option (even though you cannot select </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the Variable Option for investment)</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">0.70% Income Benefit rider fee</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Traditional Death Benefit</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No investment advisory fees</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Assumes:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option (even though you cannot select </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the Variable Option for investment)</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">0.70% Income Benefit rider fee</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Maximum Anniversary Value Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Benefit with a 0.20% rider fee</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No investment advisory fees</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> 0.0096 0.0096 0.0066 0.0066 0.002 0.002 <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Base Contract fee is comprised of two charges referred to as the “product fee” and the “rider fee for the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Income Benefit” in the Contract and elsewhere in this prospectus. As a percentage of the Charge Base, plus </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">an amount attributable to the contract maintenance charge.</span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the AZL Government Money Market Fund's average daily net assets.</span> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the Charge Base. This is the current charge for the Maximum Anniversary Value Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices you make affect how much you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay. To help you understand the cost of owning your Contract, the following table shows the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lowest and highest cost you could pay </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, based on current charges. This estimate </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assumes that you do not take withdrawals from the Contract, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add a negative </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment and/or negative MVA that could substantially increase costs.</span></div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,506</span></div> </div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$1,677</span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option (even though you cannot select </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the Variable Option for investment)</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">0.70% Income Benefit rider fee</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Traditional Death Benefit</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No investment advisory fees</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Assumes:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Investment of $100,000 in the Variable </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option (even though you cannot select </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the Variable Option for investment)</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">0.70% Income Benefit rider fee</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Maximum Anniversary Value Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Benefit with a 0.20% rider fee</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No additional Purchase Payments, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No investment advisory fees</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">No Daily Adjustment</span></div> 1506 1677 <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RISKS</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Prospectus</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</span></div> </div> </td> </tr> <tr style="height:159pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is There a Risk </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">of Loss from </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Poor </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance?</span></div> </div> </td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, you can lose money by investing in the Contract, including loss of principal and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">previous earnings.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The maximum amount of loss that you could experience from negative Index Return, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after taking into account the current limits on Index loss provided under the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract, is: -90% with a 10% Buffer; -80% with a 20% Buffer; -70% with a 30% Buffer; </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">-10% with the Floor; and 0% with the Index Protection Strategy with Cap and Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Protection Strategy with Trigger.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The limits on Index loss offered under the Contract may change from one Term to the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">next if we add an Index Option or discontinue accepting new allocations into an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Option. However, at least one Index Option with a Buffer no lower than 5% or </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Floor no lower than -25%, or an Index Option that provides complete protection from </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index losses, will always be available for renewal under the Contract.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investing In the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4. Index Options</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6. Valuing Your </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Calculating </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Credits</span></div> </div> </td> </tr> <tr style="height:376pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is This a </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Short-Term </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment?</span></div> </div> </td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, this Contract is not a short-term investment and is not appropriate if you need ready </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">access to cash.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Considering the benefits of tax deferral, long-term income, and living benefit guarantees, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Contract is generally more beneficial to investors with a long investment time horizon.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals are subject to income taxes, and may also be subject to a 10% additional </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">federal tax for amounts withdrawn before age 59 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If, within seven years after we establish an Annual Contribution Amount, you take a full or </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">partial withdrawal or begin Annuity Payments, or we pay a death benefit, an MVA will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">apply. An MVA is an adjustment based on changes in interest rates and may be positive, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative, or equal to zero. An MVA will be negative if the corporate bond yield on the date </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">of deduction is higher than the corporate bond yield on the date that the Annual </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contribution Amount was established. If you take a full withdrawal or begin Annuity </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments, or if we pay a death benefit, the maximum negative MVA is -10% of Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value. On a partial withdrawal, we limit the maximum negative MVA to -10% of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amount withdrawn.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Amounts invested in an Index Option must be held in the Index Option for the full Term </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before they can receive a Performance Credit. We apply a Daily Adjustment if, before the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term End Date, you take a full or partial withdrawal, you take Income Payments, you </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or we </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">deduct Contract fees, expenses, or investment advisory fees that you authorize your </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Financial Professional’s firm to receive from the Contract.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Daily Adjustment may be negative with the Index Dual Precision Strategy, Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy, Index Guard Strategy, and Index Performance Strategy. You will lose </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">money if the Daily Adjustment is negative.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals and other deductions from an Index Option prior to a Term End Date will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">result in a proportionate reduction to your Index Option Base. The proportionate reduction </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">could be greater than the amount withdrawn or deducted. Reductions to your Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Option Base will result in lower Index Option Values for the remainder of the Term and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">lower gains (if any) on the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• On the Term End Date, you can transfer assets invested in an Index Option by changing </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">your allocation instructions. If you do not change your allocation instructions, you will </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">continue to be invested in the same Index Option with a new Term Start Date. The new </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term will be subject to the applicable renewal Trigger Rate, Cap, and/or Participation </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Rate.</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investing In the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4. Index Options</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6. Valuing Your </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7. Expenses and </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix C – </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RISKS</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Prospectus</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</span></div> </div> </td> </tr> <tr style="height:313pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What are the </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Associated </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with the </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options?</span></div> </div> </td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• An investment in the Contract is subject to the risk of poor investment performance and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">can vary depending on the performance of the Variable Option and the Index Options </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available under the Contract.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Variable Option and each Index Option have their own unique risks.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You should review the Fund’s prospectus and disclosures, including risk factors, before </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">making an investment decision.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•  Caps and Trigger Rates will limit positive Performance Credits (e.g., limited upside). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">This </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">may result in earning less than the Index Return.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if at the end of a 1-year Term, the Index Return is 25% and the Cap is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">15%, we apply a Performance Credit of 15%, meaning your Contract Value allocated </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">to that Index Option will increase by 15% since the Term Start Date. If at the end of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Term, the Index Return is 6% and the Trigger Rate is 3%, we apply a Performance </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Credit of 3%, meaning your Contract Value allocated to that Index Option will increase </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">by 3% since the Term Start Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Buffer or Floor will limit negative Performance Credits (e.g., limited protection in the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">case of Index decline). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">However, you bear the risk for all Index losses that exceed </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">the Buffer. You also bear the risk for Index losses down to the Floor.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if at the end of a Term, the Index Return is -25% and the Buffer is 10%, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">we apply a Performance Credit of -15%, meaning your Contract Value allocated to that </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Index Option will decrease by 15% since the Term Start Date. If the Index Return is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">-25% and the Floor is -10%, we apply a Performance Credit of -10%, meaning your </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Contract Value allocated to that Index Option will decrease by 10% since the Term </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Start Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Indexes are price return indexes, not total return indexes. This means that the Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options do not receive any dividends payable on these securities. The Index Options also </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">do not directly participate in the returns of the Indexes or the Indexes’ component </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">securities. This will reduce the Index Return and may cause the Index to underperform a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investing In the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> </div> </td> </tr> <tr style="height:68pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What are the </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks Related </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">to the </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Company?</span></div> </div> </td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:343pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to us. All obligations, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">guarantees or benefits of the Contract, including those relating to the Index Options, are the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">obligations of Allianz Life and are subject to our claims-paying ability and financial strength. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">More information about Allianz Life, including our financial strength ratings, is available </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">upon request by visiting https://www.allianzlife.com/about/financial-ratings, or contacting us </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">at (800) 624-0197.</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investing In the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</span></div> </div> </td> </tr> </table> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, there are limits on the Investment Options.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Certain Index Options may not be available under your Contract (see Appendix A).</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The availability of Investment Options may vary depending on the broker-dealer through </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">which the Contract is sold (see Appendix H).</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We can add new Index Options to your Contract in the future.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You cannot allocate Purchase Payments to the Variable Option. The sole purpose of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Variable Option is to hold Purchase Payments until they are transferred to your selected </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Options.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We restrict additional Purchase Payments during the Accumulation Phase. Each Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Year before the Income Period, you cannot add more than your initial amount (i.e., the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">total of all Purchase Payments received before the first Quarterly Contract Anniversary of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the first Contract Year) without our prior approval.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We do not accept additional Purchase Payments during the Income Period (which is part </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">of the Accumulation Phase) or the Annuity Phase.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We typically only allow assets to move into the Index Options on the Index Effective Date </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and on subsequent Index Anniversaries as discussed in section 3, Purchasing the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract – Allocation of Purchase Payments and Contract Value Transfers. However, if </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you execute an Early Reallocation, we will move assets into an Index Option on the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Business Day we receive your Early Reallocation request in Good Order.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You can typically transfer Index Option Value only on Term End Dates. However, you can </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">transfer assets out of an Index Option before the Term End Date by first executing a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Lock and then either requesting an Early Reallocation with new allocation </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">instructions or changing your allocation instructions before the next Index Anniversary. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">For more information, see section 6, Valuing Your Contract – Performance Locks and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Early Reallocations.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We do not allow assets to move into an established Index Option until the Term End Date. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">If you request to allocate a Purchase Payment into an established Index Option on an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Anniversary that is not a Term End Date, we will allocate those assets to the same </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option with a new Term Start Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We reserve the right to substitute the Fund in which the Variable Option invests. We also </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reserve the right to close Index Options to new Purchase Payments and transfers, and to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">substitute Indexes either on a Term Start Date or during a Term.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We may terminate your ability to make additional Purchase Payments during the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Accumulation Phase because we reserve the right to decline any or all Purchase </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments at any time on a nondiscriminatory basis.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Caps, Trigger Rates, and Participation Rates will change from one Term to the next </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">subject to their contractual minimum guarantees.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The 10%, 20%, and 30% Buffers, and -10% Floors for the currently available Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options do not change. However, if we add a new Index Option to your Contract after the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Issue Date, we establish the Buffer or Floor for it on the date we add the Index Option to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">your Contract. For a new Index Option, the minimum Buffer is 5% and the minimum Floor </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">is -25%.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, there are restrictions on Contract benefits.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The availability of Contract benefits may vary depending on the broker-dealer through </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">which the Contract is sold (see Appendix H)</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We do not allow Performance Locks to occur on Term End Dates. We will not execute </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">your request for a Performance Lock on Index Protection Strategy with Trigger or Index </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Protection Strategy with Cap Index Options if the Daily Adjustment is zero. This may limit </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">your ability to take advantage of the benefits of the Early Reallocation feature. We do not </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">accept Early Reallocation requests within 14 calendar days before an Index Anniversary. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">You are limited to twelve Early Reallocation requests each Index Year.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We reserve the right to discontinue or modify the Minimum Distribution Program and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Investment Advisory Fees program.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Deductions we make for investment advisory fees reduce your Contract Value (and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">therefore Cash Value) by the amount withdrawn on a dollar for dollar basis. This Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value reduction also decreases your initial annual maximum Income Payment which is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">based on Contract Value. As Contract Value is one of the components we use to calculate </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">RMD payments, these deductions may also reduce your RMD payments. These </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">deductions also reduce the following proportionately by the percentage of Contract Value </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawn: Charge Base, Index Option Base, Index Option Value, and Variable Account </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The death benefits and Income Benefit are only available during the Accumulation Phase. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Upon annuitization, these benefits will end.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Income Benefit terms stated in the Income Benefit Supplement may be modified </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before issue. A minimum waiting period applies before Income Payments may be taken </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">under the Income Benefit. In addition, even if the waiting period has expired, Income </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments cannot begin before age 50. During the Income Period, only the Index Options </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">with the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available to you. Withdrawals will reduce the initial annual maximum Income Payment. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Withdrawals that exceed limits specified by the terms of the Income Benefit (Excess </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Withdrawals) will reduce your future annual maximum Income Payment. These reductions </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">may be greater than the value withdrawn and could end the benefit. After the Issue Date </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Income Benefit may terminate under certain circumstances as stated in section 11, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Traditional Death Benefit may not be modified, but it will terminate if you take </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals (including Income Payments) that reduce both the Contract Value and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Guaranteed Death Benefit Value to zero. Withdrawals may reduce the Traditional Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Benefit’s Guaranteed Death Benefit Value by more than the value withdrawn and could </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">end the Traditional Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The optional Maximum Anniversary Value Death Benefit may not be modified. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Withdrawals (including Income Payments) may reduce the Maximum Anniversary Value </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Death Benefit’s Guaranteed Death Benefit Value by more than the value withdrawn and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">will end the Maximum Anniversary Value Death Benefit if the withdrawals reduce both the </span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract Value and Guaranteed Death Benefit Value to zero.</span> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Consult with a tax professional to determine the tax implications of an investment in and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals from or payments received under the Contract.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If you purchased the Contract as an individual retirement annuity or through a custodial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">individual retirement account, you do not get any additional tax benefit under the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally, earnings under a Non-Qualified Contract are taxed at ordinary income rates </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">when withdrawn, and may also be subject to a 10% additional federal tax for amounts </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawn before age 59</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally, distributions from Qualified Contracts are taxed at ordinary income tax rates </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">when withdrawn, and may also be subject to a 10% additional federal tax for amounts </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawn before age 59</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We do not pay sales commissions in connection with sales of the Contracts. Rather, you </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay an investment advisory fee to your Financial Professional. We do not set your </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment advisory fee or receive any part of it. However, Financial Professionals and their </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">managers may be eligible for benefits from us or our wholly-owned subsidiary distributor, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">such as production incentive bonuses, insurance benefits, and non-cash compensation </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">items. We and/or our wholly owned subsidiary distributor may also make marketing support </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">payments to certain selling firms for marketing services and costs associated with Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">sales. This conflict of interest may influence your Financial Professional to recommend this </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract over another investment.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Whether to exchange your existing Contract for a new contract is a decision that each </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investor should make based on their personal circumstances and financial objectives. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">However, in making this decision you should be aware that some Financial Professionals </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">may have a financial incentive to offer you a new contract in place of one you already own. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">You should only exchange your Contract if you determine, after comparing the features, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">risks, and fees of both contracts, including any fees or penalties to terminate your existing </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract, that it is better for you to purchase the new contract rather than continue to own </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your existing Contract.</span></div> <div style="line-height:13.0pt;margin-top:16pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:16.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Fee Tables</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The following tables describe the fees, expenses, and adjustments that you will pay when buying, owning, and surrendering or making withdrawals from an Investment Option or from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. These tables do not reflect any investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. If investment advisory fees were reflected, fees and expenses would be higher.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">This Contract has no transaction expenses that apply at the time you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract Value between Investment Options. However, state premium taxes may be deducted.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The tables below describe the Daily Adjustment and MVA that apply if all or a portion of the Contract Value is removed from an Index Option before the end of a Term.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Adjustments</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:58.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:217.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:108.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.77%;margin-right:5.55%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Protection Strategy</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with Trigger</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Protection Strategy</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with Cap</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:129.88pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.62%;margin-right:4.62%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Dual Precision Strategy,</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Precision Strategy,</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance Strategy</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:38.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.48%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guard</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Strategy</span></div> </div> </div> </td> </tr> <tr style="height:12.5pt;"> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:217.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment Maximum Potential Loss</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:108.18pt;"> <div style="line-height:12pt;margin-left:3pt;margin-right:6pt;text-align:right;width:99.18pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:129.88pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:117.88pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:50.74pt;">99%</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:38.75pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:32.75pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:8.17pt;">35%</span></div> </div> </div> </td> </tr> <tr style="height:35pt;"> <td style="padding-top:2pt;vertical-align:Top;width:217.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of Index Option Value, applies for </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">distributions from an Index Option before any Term </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">End Date)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:108.18pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:6pt;text-align:right;width:99.18pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"> </div> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:129.88pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:117.88pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"> </div> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:38.75pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:32.75pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"> </div> </div> </div> </td> </tr> </table> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This table shows the maximum potential loss due to the application of the Daily Adjustment (e.g., maximum loss could occur if there is a total distribution within a Term at a time when the Index price has declined to zero). The Daily Adjustment could result in a loss beyond the protection of the 10%, 20%, or 30% Buffer; or -10% Floor. The Daily Adjustment applies if, before the Term End Date, you take a full or partial withdrawal, you </span></div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:10.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">take Income Payments, you execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct Contract fees, expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. The actual Daily Adjustment calculation is determined by a formula described in Appendix C.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <div style="line-height:0.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:10.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:195.68pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:298.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.01%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Upon full or partial withdrawal, Annuity Payments, or death benefit payment</span></div> </div> </div> </td> </tr> <tr style="height:12.5pt;"> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:195.68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">MVA Maximum Potential Loss</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:298.32pt;"> <div style="line-height:12pt;margin-left:3pt;text-align:right;width:295.32pt;"> <div style="display:flex;margin:auto;width:25.91pt;"> <div style="display:flex;white-space:nowrap;width:25.91pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(3)</span></div> </div> </div> </td> </tr> <tr style="height:23pt;"> <td style="padding-top:2pt;vertical-align:Top;width:195.68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of each Annual Contribution </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">Amount)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:298.32pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:295.32pt;"> <div style="display:flex;margin:auto;width:25.91pt;"> <div style="display:flex;white-space:nowrap;width:25.91pt;"> </div> </div> </div> </td> </tr> </table> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This table shows the maximum potential loss due to the application of the MVA (e.g., maximum loss could occur if there is a distribution within seven Index Years of the establishment of an Annual Contribution Amount at a time when the yield on corporate bonds is greater than what they were when the Annual Contribution Amount was established). The MVA applies if, within seven Index Years of the establishment of an Annual Contribution Amount, you take a full or partial withdrawal, you take Income Payments, you execute a Performance Lock, you annuitize the Contract, or we pay a death benefit. We do not apply an MVA to deductions for Contract fees and expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. See section 7, Expenses and Adjustments – Market Value Adjustment (MVA).</span></div> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:1pt;text-align:left;"> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The Contract provides a free withdrawal privilege before the Income Period that allows you to withdraw 10% of your total Annual Contribution Amounts annually without incurring an MVA, as discussed in section 8, Access to Your Money – Free Withdrawal Privilege.</span></div> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:1pt;text-align:left;"> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(3)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The maximum total negative MVA is 10% of Contract Value if you take a full withdrawal, begin Annuity Payments, or if we pay a death benefit. On a partial withdrawal, the maximum total negative MVA is 10% of the amount withdrawn.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses). If you purchased the optional Maximum Anniversary Value Death Benefit, you pay additional charges, as shown below.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:26.5pt;"> <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:453.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Expenses (or contract maintenance charge)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(per year)</span></div> </div> </td> <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:40.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.00pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">50</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:453.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(as a percentage of the Charge Base)</span></div> </div> </td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:40.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.95%</span></div> </div> </td> </tr> <tr style="height:24.5pt;"> <td style="background-color:#D8D8D8;padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:453.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Expenses – Maximum Anniversary Value Death Benefit</span></div> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(as a percentage of the Charge Base)</span></div> </div> </td> <td style="background-color:#D8D8D8;padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:40.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</span></div> </div> </td> </tr> </table> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div> <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the “contract maintenance charge” in the Contract and elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment. See section 7, Expenses and Adjustments – Contract Maintenance Charge (Administrative Expenses).</span></div> </div> <div style="line-height:10.0pt;margin-left:18pt;margin-top:1pt;text-align:left;"> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Comprised of two charges referred to as the “product fee” and the “rider fee for the Income Benefit” in the Contract and elsewhere in this prospectus. The product fee is 0.25%. The rider fee for the Income Benefit is 0.70%. See section 7, Expenses and Adjustments – Base Contract Expenses (Product and Rider Fees).</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">In addition to the fees described above, we may limit the amount you can earn on the Index Options. This means your returns may be lower than the Index’s returns. In return for accepting a limit on Index gains, you will receive some protection from Index losses.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The next item shows the total operating expenses charged by the Fund that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. More information about the Fund, including its annual expenses, may be found in Appendix A – Investment Options Available Under the Contract.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annual Fund Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="vertical-align:Top;width:467.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Fund assets, including management fees,</span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div> </div> </td> <td style="vertical-align:Top;white-space:nowrap;width:26.25pt;"> <div style="line-height:12pt;margin-left:3pt;text-align:right;width:23.25pt;"> <div style="display:flex;margin:auto;width:25.25pt;"> <div style="display:flex;white-space:nowrap;width:25.25pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Example</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">This Example is intended to help you compare the cost of investing in the Variable Option with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, annual Contract expenses, and annual Fund expenses.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Example assumes all Contract Value is allocated to the Variable Option, even though you cannot instruct us to allocate Purchase Payments to the Variable Option. The Example does not reflect the Daily Adjustment or MVA. It </span></div> </div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">also does not reflect any investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract. If investment advisory fees were reflected, costs would be higher. Your costs could differ from those shown below when you invest in the Index Options.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Example assumes that you invest $100,000 in the Variable Option for the time periods indicated. The Example also assumes that your investment has a 5% return each year and that you elected the Maximum Anniversary Value Death Benefit for an additional charge. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:12.0pt;text-align:left;"> <div style="margin-top:12pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;margin-left:24pt;width:446pt; border-spacing: 0px;"> <tr style="height:9.5pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:262.9pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:40.08pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">1 Year</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">3 Years</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">5 Years</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:48.71pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:7pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">10 Years</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:262.9pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(1) If you surrender your Contract (take a full withdrawal) at the end of </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">the applicable time period:</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:40.08pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">1,833</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">5,675</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,763</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">21,169</span></div> </div> </div> </td> </tr> <tr style="height:24pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:262.9pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2) If you annuitize your Contract at the end of the applicable time </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">period.</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:40.08pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">N/A*</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">5,675</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,763</span></div> </div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">21,169</span></div> </div> </div> </td> </tr> <tr style="height:11.5pt;"> <td style="padding-top:2.5pt;vertical-align:Top;width:262.9pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(3) If you do not surrender your Contract.</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:40.08pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">1,833</span></div> </div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">5,675</span></div> </div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,763</span></div> </div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;"> <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;"> <div style="display:flex;margin:auto;width:31.64pt;"> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">21,169</span></div> </div> </div> </td> </tr> </table> </div> <div> <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;"> <div style="float:left;line-height:10pt;text-align:left;width:4pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</span></div> <div style="float:left;line-height:10pt;margin-left:14pt;text-align:left;width:471.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The earliest available Annuity Date is the second Index Anniversary.</span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The tables below describe the Daily Adjustment and MVA that apply if all or a portion of the Contract Value is removed from an Index Option before the end of a Term.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Adjustments</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:58.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:217.18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:108.18pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.77%;margin-right:5.55%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Protection Strategy</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with Trigger</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Protection Strategy</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with Cap</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:129.88pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.62%;margin-right:4.62%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Dual Precision Strategy,</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Precision Strategy,</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance Strategy</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:38.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:15.48%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guard</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Strategy</span></div> </div> </div> </td> </tr> <tr style="height:12.5pt;"> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:217.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment Maximum Potential Loss</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:108.18pt;"> <div style="line-height:12pt;margin-left:3pt;margin-right:6pt;text-align:right;width:99.18pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:129.88pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:117.88pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:50.74pt;">99%</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:38.75pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:32.75pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:8.17pt;">35%</span></div> </div> </div> </td> </tr> <tr style="height:35pt;"> <td style="padding-top:2pt;vertical-align:Top;width:217.18pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of Index Option Value, applies for </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">distributions from an Index Option before any Term </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">End Date)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:108.18pt;"> <div style="line-height:0.5pt;margin-left:3pt;margin-right:6pt;text-align:right;width:99.18pt;"> <div style="display:flex;margin:auto;width:13.85pt;"> <div style="display:flex;white-space:nowrap;width:13.85pt;"> </div> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:129.88pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:117.88pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"> </div> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:38.75pt;"> <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:32.75pt;"> <div style="display:flex;margin:auto;width:18.41pt;"> <div style="display:flex;white-space:nowrap;width:18.41pt;"> </div> </div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This table shows the maximum potential loss due to the application of the Daily Adjustment (e.g., maximum loss could occur if there is a total distribution within a Term at a time when the Index price has declined to zero). The Daily Adjustment could result in a loss beyond the protection of the 10%, 20%, or 30% Buffer; or -10% Floor. The Daily Adjustment applies if, before the Term End Date, you take a full or partial withdrawal, you </span></div> <div style="line-height:10.0pt;margin-left:18pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">take Income Payments, you execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct Contract fees, expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. The actual Daily Adjustment calculation is determined by a formula described in Appendix C.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:10.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:195.68pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:298.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.01%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Upon full or partial withdrawal, Annuity Payments, or death benefit payment</span></div> </div> </div> </td> </tr> <tr style="height:12.5pt;"> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:195.68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">MVA Maximum Potential Loss</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:298.32pt;"> <div style="line-height:12pt;margin-left:3pt;text-align:right;width:295.32pt;"> <div style="display:flex;margin:auto;width:25.91pt;"> <div style="display:flex;white-space:nowrap;width:25.91pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(3)</span></div> </div> </div> </td> </tr> <tr style="height:23pt;"> <td style="padding-top:2pt;vertical-align:Top;width:195.68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of each Annual Contribution </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">Amount)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:298.32pt;"> <div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:295.32pt;"> <div style="display:flex;margin:auto;width:25.91pt;"> <div style="display:flex;white-space:nowrap;width:25.91pt;"> </div> </div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This table shows the maximum potential loss due to the application of the MVA (e.g., maximum loss could occur if there is a distribution within seven Index Years of the establishment of an Annual Contribution Amount at a time when the yield on corporate bonds is greater than what they were when the Annual Contribution Amount was established). The MVA applies if, within seven Index Years of the establishment of an Annual Contribution Amount, you take a full or partial withdrawal, you take Income Payments, you execute a Performance Lock, you annuitize the Contract, or we pay a death benefit. We do not apply an MVA to deductions for Contract fees and expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. See section 7, Expenses and Adjustments – Market Value Adjustment (MVA).</span></div> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The Contract provides a free withdrawal privilege before the Income Period that allows you to withdraw 10% of your total Annual Contribution Amounts annually without incurring an MVA, as discussed in section 8, Access to Your Money – Free Withdrawal Privilege.</span></div> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(3)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The maximum total negative MVA is 10% of Contract Value if you take a full withdrawal, begin Annuity Payments, or if we pay a death benefit. On a partial withdrawal, the maximum total negative MVA is 10% of the amount withdrawn.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses). If you purchased the optional Maximum Anniversary Value Death Benefit, you pay additional charges, as shown below.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:26.5pt;"> <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:453.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Expenses (or contract maintenance charge)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(per year)</span></div> </div> </td> <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:40.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.00pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">50</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:453.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(as a percentage of the Charge Base)</span></div> </div> </td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:40.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.95%</span></div> </div> </td> </tr> <tr style="height:24.5pt;"> <td style="background-color:#D8D8D8;padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:453.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Expenses – Maximum Anniversary Value Death Benefit</span></div> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(as a percentage of the Charge Base)</span></div> </div> </td> <td style="background-color:#D8D8D8;padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:40.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</span></div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(1)</span> <div> </div> <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the “contract maintenance charge” in the Contract and elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment. See section 7, Expenses and Adjustments – Contract Maintenance Charge (Administrative Expenses).</span></div> <div style="margin-top:1pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:-18pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Comprised of two charges referred to as the “product fee” and the “rider fee for the Income Benefit” in the Contract and elsewhere in this prospectus. The product fee is 0.25%. The rider fee for the Income Benefit is 0.70%. See section 7, Expenses and Adjustments – Base Contract Expenses (Product and Rider Fees).</span></div> 50 0.0095 0.002 <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the “contract maintenance charge” in the Contract and elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment. See section 7, Expenses and Adjustments – Contract Maintenance Charge (Administrative Expenses).</span> <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">Comprised of two charges referred to as the “product fee” and the “rider fee for the Income Benefit” in the Contract and elsewhere in this prospectus. The product fee is 0.25%. The rider fee for the Income Benefit is 0.70%. See section 7, Expenses and Adjustments – Base Contract Expenses (Product and Rider Fees).</span> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The next item shows the total operating expenses charged by the Fund that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. More information about the Fund, including its annual expenses, may be found in Appendix A – Investment Options Available Under the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annual Fund Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="vertical-align:Top;width:467.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Fund assets, including management fees,</span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div> </div> </td> <td style="vertical-align:Top;white-space:nowrap;width:26.25pt;"> <div style="line-height:12pt;margin-left:3pt;text-align:right;width:23.25pt;"> <div style="display:flex;margin:auto;width:25.25pt;"> <div style="display:flex;white-space:nowrap;width:25.25pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.66%</span></div> </div> </div> </td> </tr> </table> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Fund assets, including management fees,</span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div> 0.0066 <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(1) If you surrender your Contract (take a full withdrawal) at the end of </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">the applicable time period:</span></div> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">1,833</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">5,675</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,763</span></div> </div> </div> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">21,169</span></div> 1833 5675 9763 21169 <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2) If you annuitize your Contract at the end of the applicable time </span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">period.</span></div> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">N/A*</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">5,675</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,763</span></div> </div> </div> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">21,169</span></div> 5675 9763 21169 <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(3) If you do not surrender your Contract.</span></div> <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">1,833</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">5,675</span></div> </div> </div> <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;"> <div style="display:flex;margin:auto;width:27.08pt;"> <div style="display:flex;white-space:nowrap;width:27.08pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,763</span></div> </div> </div> <div style="display:flex;white-space:nowrap;width:31.64pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">21,169</span></div> 1833 5675 9763 21169 <div style="line-height:13.0pt;margin-top:10.5pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:12.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Principal Risks of Investing In the Contract</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract involves certain risks that you should understand before investing. You should carefully consider your income needs and risk tolerance to determine whether the Contract is appropriate for you. The level of risk you bear and your potential investment performance will differ depending on the Index Options you choose.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risk of Loss</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Returns on securities and securities Indexes can vary substantially, which may result in investment losses. The historical performance of the Investment Options does not guarantee future results. It is impossible to predict whether underlying investment values will fall or rise. Securities markets are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. Depending on your individual circumstances (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, your selected Index Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. You should consult with a Financial Professional.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Variable Option does not provide any protection against loss of principal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings for Purchase Payments held in the Variable Option and such losses could be significant.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You should consider whether investing in an Index Option is consistent with your financial needs. If you allocate Purchase Payments or transfer Contract Value to an Index Option with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, negative Index Returns may cause Performance Credits to be either negative after application of the Buffer, or negative down to the Floor. For the Index Dual Precision Strategy and Index Performance Strategy, we apply the Buffer for the entire Term length; we do not apply the Buffer annually on a 3-year or 6-year Term Index Option. Ongoing deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract could also cause amounts available for withdrawal to be less than what you invested even if Index performance has been positive. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Index Options with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, and such losses could be significant. If you allocate Purchase Payments or transfer Contract Value to the Index Options with the Index Protection Strategy with Trigger or Index Protection Strategy with Cap you can also lose principal and previous earnings if you do not receive a Performance Credit, or if the Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract are greater than the Performance Credit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The maximum potential negative Performance Credit for the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy is based on the Buffer. If the Buffer is 10%, the maximum negative Performance Credit is -90%; if the Buffer is 20%, the maximum negative Performance Credit is -80%; and if the Buffer is 30%, the maximum negative Performance Credit is -70%. The maximum potential negative Performance Credit for the Index Guard Strategy is the -10% Floor. At least one Index Option with a Buffer no lower than 5% or Floor no lower than -25%, or an Index Option that provides complete protection from Index losses, will always be available for renewal under the Contract.</span></div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition to any losses from negative investment performance, you may experience losses under the Contract due to any applicable negative MVAs, other Contract fees and charges, negative Daily Adjustments, taxes, and tax penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Early Withdrawal and Liquidity Risk</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We designed the Contract to be a long-term investment that you can use to help build and provide income for retirement. The Contract is not suitable for short-term investment. Withdrawals under the Contract may be subject to negative MVAs, other Contract fees and charges, negative Daily Adjustments, taxes, and tax penalties.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you take a full or partial withdrawal during the MVA period, we apply an MVA unless the withdrawal is an MVA-Free Withdrawal. We also apply the MVA during the MVA period if you take Annuity Payments or if we pay a death benefit. While MVA-Free Withdrawals provide some liquidity, they are permitted in only limited amounts or in special circumstances. If you need to withdraw most or all of your Contract Value in a short period, you will likely exceed the MVA-Free Withdrawal amounts available to you and we will apply an MVA.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The MVA can be positive or negative according to the interest rate environment as measured by the corporate bond yields through the Bloomberg US Long Corporate Bond Index. In periods when bond yields have significantly decreased, the MVA limit (the maximum total positive or negative MVA is either 10% of the amount withdrawn on a partial withdrawal, or 10% of Contract Value for a full withdrawal, Annuity Payments, or payment of the death benefit) may reduce the amount you would have received from a positive MVA. In general, as the time remaining in the MVA period drops, a more substantial bond yield change is required to reach the 10% MVA limit. However, there are also other factors influencing how much bond yields would have to drop or increase to reach the 10% MVA limit including any gains or losses in the Contract and corporate bond yields at the time each Annual Contribution Amount begins. For example, assume you purchase a Contract with a single Purchase Payment of $100,000 allocated to one Index Option, the Issue Date is the Index Effective Date, the initial bond yield is 3%, and you take no partial withdrawals. On the second Index Anniversary, the Contract Value has decreased to $90,000 and you request a full withdrawal. The maximum negative MVA of -10% of Contract Value would occur if bond yields increased by 1.96% or more. If instead you wait and take a full withdrawal on the sixth Index Anniversary when the Contract Value has increased to $120,000, the maximum negative MVA of -10% of Contract Value would occur if bond yields increased by 14.04% or more.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate the MVA as a percentage (called the MVA factor) of the amount of Purchase Payment withdrawn from an Annual Contribution Amount, not a percentage of Contract Value. Consequently, if the Contract Value has declined since the Annual Contribution Amount(s) were established and the MVA is negative, it is possible that the percentage of Contract Value withdrawn to cover the negative MVA would be greater than if the MVA were deducted as a percentage of Contract Value. For example, assume you buy the Contract with a single Purchase Payment of $10,000, your Index Effective Date is the Issue Date, and the yield on the Bloomberg US Long Corporate Bond Index on the Index Effective Date is 2%. On the 5</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversary your Contract Value is $8,000 after we deduct Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract and you request a full withdrawal. If the yield on the Bloomberg US Long Corporate Bond Index has increased to 3%, the MVA factor is -1.932%. The MVA would be -$193.20 (-1.932% of $10,000). As your Contract Value is less than $100,000, we will also deduct the $50 contract maintenance charge. This results in you receiving $7,756.80. For purposes of this example, we have not factored in any final product and rider fees that may apply and be deducted in connection with a full withdrawal.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On a full withdrawal, the free withdrawal privilege is not available to you, and we apply an MVA against Annual Contribution Amounts that are still within their MVA period, including amounts previously withdrawn under the free withdrawal privilege. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">On a full withdrawal, your total Annual Contribution Amounts may be greater than your Contract Value because the following reduce your Contract Value, but do not reduce your Annual Contribution Amounts: prior MVA-Free Withdrawals; deductions we make for Contract fees, expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract; and/or poor performance.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The present interest rate environment is evolving due to a combination of factors, including market conditions (e.g., inflation) and actions by governmental authorities. Future changes in interest rates, and the potential impact on MVAs, cannot be predicted with certainty. Interest rates may increase, which could increase the risk of negative MVAs. You should consult with a Financial Professional about how the present interest rate environment may impact your future decisions related to the Contract. For more information on the MVA, including how we calculate the MVA factor, see section 7, Expenses and Adjustments – Market Value Adjustment (MVA).</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Amounts withdrawn from this Contract are subject to income taxes and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We only apply Performance Credits to the Index Options once each Term on the Term End Date, rather than daily. In the interim, we calculate Index Option Values based on the Daily Adjustment. For more information, see “Risks Associated with the Daily Adjustment” later in this section. The Variable Option is not subject to the Daily Adjustment. Any assets removed from an Index Option during the Term for withdrawals you take (including Income Payments and other MVA-Free Withdrawals), Annuity Payments, or deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract, or if we pay a death benefit, will not be eligible to receive a Performance Credit on the Term End Date. You will receive a Performance Credit only on any unlocked Index Option Value remaining in an Index Option on the Term End Date.</span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can typically transfer Index Option Value among the Index Options only on Term End Dates. However, you can transfer assets out of an Index Option before the Term End Date by executing a Performance Lock. Once an Index Option is locked, you can transfer assets out of it on the Index Anniversary that occurs on or immediately after the Lock Date. For a 3-year or 6-year Term Index Option this means you can transfer out of the locked Index Option before the Term End Date by executing a Performance Lock on or before the second Index Anniversary of a 3-year Term, or on or before the fifth Index Anniversary of a 6-year Term. For Contracts issued on or after May 1, 2023, you can also transfer assets out of any locked Index Option, including 1-year Term Index Options, before the Term End Date by requesting an Early Reallocation. You may execute twelve Early Reallocations each Index Year, but each request can involve multiple locked Index Options. These restrictions on transfers may limit your ability to react to changes in market conditions.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Income Benefit Risks</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit is automatically included in the Contract for an additional rider fee and you cannot remove it.</span> <br/></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We generally base Income Payments on the Lifetime Income Percentage you select and your Contract Value, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">not a guaranteed value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Decreases in Contract Value due to negative Index Option performance during the Accumulation Phase up to and including the Income Benefit Date, deductions for Contract fees and expenses, and withdrawals, also decrease the Income Payment amount available to you.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you choose the Level Income payment option and meet the age requirements stated in section 11, Income Benefit – Calculating Your Income Payments, your initial annual maximum Income Payment will not be less than the Level Income Guarantee Payment Percentage multiplied by your total Purchase Payments reduced proportionately for withdrawals you took (including any MVA). However, the Level Income Guarantee Payment Percentage is not available to you under the Level Income payment option if you do not meet the age requirements stated in section 11, or if you choose the Increasing Income payment option.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Income Payments made while your Contract Value is positive are a withdrawal of your own assets and reduce your Contract Value. If your Contract Value remains above zero when the Income Payments end, you may not realize a benefit from the Income Benefit; the chances of your Contract Value being reduced to zero may be minimal.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We also base Income Payments on the Eligible Person(s) that we establish at issue. If you change Owners or Beneficiary(ies), we may remove an Eligible Person or Covered Person as stated in section 2, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">which may cause Income Payments to be unavailable or end prematurely.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the age of the Eligible Person(s) to determine the Income Percentage(s) and Income Percentage Increases. Income Percentage Increases are not available until age 45. This means if an Eligible Person is younger than age 44 on the Issue Date, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">you will not receive an increase to a Lifetime Income Percentage based on that Eligible Person until the Index Anniversary that the Eligible Person (or younger Eligible Person for joint payments) reaches age 45, and you will pay a rider fee during the period you are not eligible for an Income Percentage Increase.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The eligibility period to begin Income Payments is subject to a waiting period and both a minimum and maximum age requirement for the Eligible Person(s). For single Income Payments, we only allow an Eligible Person who is an Owner to become a Covered Person, and joint Income Payments may not be available if the age difference between spouses is too great, as stated in section 2, Ownership, Annuitant, Determining Life, Beneficiary, and Payee – Eligible Person(s) and Covered Person(s). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If you do not begin Income Payments during the eligibility period, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition, if you have Contract Value in an Index Option for which the Income Benefit Date is not a Term End Date, we will execute a Performance Lock for that Index Option if it is not locked and then immediately calculate and begin your Income Payments. If you have Index Options with different Term End Dates, there may be no date when the Daily Adjustment does not apply. For the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options, we will execute this Performance Lock even if the Daily Adjustment is zero.</span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The initial annual maximum Income Payment available to you must be at least $100. If your Contract Value on the Income Benefit Date is reduced and this $100 minimum cannot be met, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages. Income Payments and the Income Benefit may also end prematurely if you take Excess Withdrawals, or you annuitize the Contract. A full Excess Withdrawal and certain partial Excess Withdrawals will cause Income Payments to stop and the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;text-decoration:underline;">and all of its benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;"> to end.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> However, we can convert your Income Payment to Annuity Payments as described in section 9, The Annuity Phase – When Annuity Payments Begin.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Multiplier Benefit can provide increased income if you are confined for care or are unable to perform at least two activities of daily living. However, this benefit has a waiting period and you must meet certain requirements to receive it. If you are unable to meet these requirements the Income Multiplier Benefit may not be available to you when you need it. If you qualify for the Income Multiplier Benefit, it also may not provide enough income to pay for the care you require. For joint Covered Persons, if you both qualify for this benefit at the same time you will get the same payment increase as a single Covered person; we do not apply the increase separately for each Covered Person.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For more information see “How the Income Benefit Works” and “During the Income Period” in section 11, Income Benefit.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risk of Change to the Income Benefit Supplement Prior to the Issue Date</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Payment waiting period and the table showing the Income Percentages and Income Percentage Increases for your Contract are stated in the Income Benefit Supplement that is in effect on the date you sign your application. The supplement also includes the income multiplier factor and income multiplier benefit wait period for the Income Multiplier Benefit. Your Financial Professional will give you a copy of the prospectus with the current Income Benefit supplement when you apply for a Contract. If we do not receive your initial Purchase Payment within 60 calendar days of the date you sign the application, and the Income Benefit Supplement terms have changed since this date, you will receive the Income Benefit Supplement terms that are in effect on the Issue Date instead of the terms that were in effect when you applied for the Contract. You bear the risk that, if there is more than a 60-day delay between the time you apply for the Contract and the Issue Date, the Income Benefit Supplement terms may change and be less advantageous to you. When we issue the Contract, we send you the current prospectus with the current Income Benefit Supplement. We cannot change these terms for your Contract once they are established. We publish any changes to these terms in an amended Income Benefit Supplement at least seven calendar days before they take effect on our website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The amended Income Benefit Supplement is also filed on EDGAR at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.sec.gov</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> under Form N-4 File Numbers 333-264349 and 333-255394. You can contact us to receive the Income Benefit Supplement applicable to your Contract by calling our Service Center at the toll-free telephone number listed at the back of this prospectus.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can find historical Income Benefit and Income Multiplier Benefit Supplement values in Appendix F for benefits issued before May 1, 2026.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Risks</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Index Option returns depend, in part, on the performance of an Index although you are not directly invested in the Index or in the securities tracked by the Index. You will have no voting rights, no rights to receive cash dividends or other distributions, and no other rights with respect to the companies that make up the Indexes. Because the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> MSCI Emerging Markets ETF are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, and EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> are all “price return indexes,” not “total return indexes,” and therefore do not reflect dividends paid on the securities composing the Index. This will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. For the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, this Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment. Because Index performance for the iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> MSCI Emerging Markets ETF is based on the ETF’s closing share price, Index performance is calculated on a “price return” basis, not a “total return” basis, and therefore does not reflect dividends paid on the securities in which the ETF invests. In addition, an ETF deducts fees and costs, which reduce Index performance. These factors will reduce the Index 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> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition to the foregoing, each Index has its own unique risks, as follows:</span></div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities issued by large-capitalization (“large cap”) U.S. companies. In general, large capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities of small-capitalization (“small-cap”) U.S. companies. Generally, the securities of small-cap companies are more volatile and riskier than the securities of large-cap companies.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on the Nasdaq Stock Market, including companies across all major industry groups except financial companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies. To the extent that the Index is comprised of securities issued by companies in a particular sector, those securities may not perform as well as the securities of companies in other sectors or the market as a whole. Also, any securities issued by non-U.S. companies are subject to the risks related to investments in foreign markets (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, increased volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of the equity securities of large-capitalization companies in the Eurozone. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies. Securities issued by non-U.S. companies are subject to the risks related to investments in foreign markets (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, increased volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> MSCI Emerging Markets ETF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The iShares MSCI Emerging Markets ETF seeks to track the investment results of an index composed of large- and mid-capitalization emerging market equities. Investments in emerging market issuers may be subject to a greater risk of loss than investments in issuers located or operating in more developed markets. Emerging markets may be more likely to experience inflation, social instability, political turmoil or rapid changes in economic conditions than more developed markets. Companies in many emerging markets are not subject to the same degree of regulatory requirements, accounting standards or auditor oversight as companies in more developed countries, and as a result, information about the securities in which the ETF invests may be less reliable or complete. Emerging markets often have less reliable securities valuations and greater risk associated with custody of securities than developed markets. There may be significant obstacles to obtaining information necessary for investigations into or litigation against companies and shareholders may have limited legal remedies.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with the Daily Adjustment</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">The Variable Option is not subject to the Daily Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine the contract maintenance charge and Charge Base for the product and rider fees. The Daily Adjustment can be less than the Trigger Rate or Cap even if the current Index return during the Term is greater than the Trigger Rate or Cap. In addition, even if the Index has performed positively since the beginning of the the Term, the Daily Adjustment may be negative. However, the Daily Adjustment for the Index Protection Strategy with Trigger and Index Protection Strategy with Cap cannot be negative. The Daily Adjustment is generally negatively affected by:</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">interest rate decreases,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">dividend rate increases,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">poor market performance, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the expected volatility of Index prices. Generally, increases in the expected volatility of Index prices negatively affect the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy 1-year Term Index Options, while decreases in the expected volatility of Index prices negatively affect the Index Guard Strategy. For the Index Performance Strategy 3-year and 6-year Term Index Options, and Index Protection Strategy with Cap, the impact of changes in the expected volatility of Index prices is dependent on the market environment and the applicable Caps and Participation Rates. For the Index Protection Strategy with Trigger, the impact of changes in the expected volatility of Index prices is dependent on the market environment.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment for Index Options with a Term length of more than 1 year (3-year and 6-year Term Index Options and Early Reallocation to a 1-year Term Index Option) may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative Daily Adjustment is generally greater for Index Options with a Term length of more than 1 year than for 1-year Term </span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Index Options due to the Term length. The Index Performance Strategy 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate equal to 100%. For shorter Term lengths, there is more certainty in both the final Index Values and how Trigger Rates, Caps, Buffers, and Floors determine Performance Credits. This means there may be less fluctuation in the Daily Adjustment due to changes in Index return for Index Options with shorter Term lengths.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If amounts are withdrawn or otherwise removed from an Index Option with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy before the Term End Date, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">you could lose principal and previous earnings due to a negative Daily Adjustment. A negative Daily Adjustment for these Index Options could result in losses greater than the protection provided by the applicable Buffer or Floor, which apply only on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The maximum potential loss from a negative Daily Adjustment is: -99% for the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy; and -35% for the Index Guard Strategy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;"> Such losses will be greater if you take a withdrawal that is subject to a negative MVA, is a deduction of Contract fees or charges, investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract, taxes, or tax penalties also apply.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Calculation of Performance Credits</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate Performance Credits each Term on the Term End Date. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method may have experienced gains through some, or most, of the Term. If you allocate Purchase Payments or transfer Contract Value to the Index Options with Index Protection Strategy with Trigger or Index Protection Strategy with Cap, positive returns are limited by the Trigger Rates and Caps. You are not subject, however, to potential negative Performance Credits for those Index Options. The Trigger Rates on the Index Dual Precision Strategy and Index Precision Strategy Index Options, and the Caps on the Index Guard Strategy and Index Performance Strategy Index Options also limit positive returns, and for these Index Options, you may be subject to potential negative Performance Credits. Trigger Rates and Caps could cause performance to be lower than it would otherwise have been if you invested in a mutual fund or exchange-traded fund designed to track the performance of the applicable Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Performance Strategy, we apply the Cap and any Participation Rate for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">apply the Cap and any Participation Rate annually on a 3-year or 6-year Term Index Option. For the Index Dual Precision Strategy, we apply the Trigger Rate for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> apply the Trigger Rate annually on a 3-year or 6-year Term Index Option. See “Risk of Loss” above for information about risks associated with Buffers and Floors when calculating Performance Credits.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Options do not receive any dividends payable on these securities. The Index Options also do not directly participate in the returns of the Indexes or the Indexes’ component securities. Index Returns would be higher if they included the dividends from the component securities.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Trigger Rates, Caps, and Participation Rates may be adjusted on the next Term Start Date and may vary significantly from Term to Term. For more information, see the “Risks Associated with Changes to Trigger Rates, Caps, and Participation Rates” discussion later in this section.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Crediting Methods only capture Index Values on the Term Start Date and Term End Date, so you will bear the risk that the Index Value might be abnormally high on a Term Start Date or low on a Term End Date, which in either case could negatively impact your Performance Credits at the end of the Term.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Performance Locks and Early Reallocations</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Performance Lock is executed:</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will no longer participate in Index performance, positive or negative, for the remainder of the Term for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder of the Term for a locked Index Option, and you will begin a new Index Option with a new Term Start Date on the next Index Anniversary that occurs on or immediately after the Lock Date unless you execute an Early Reallocation (if available to you). Early Reallocation is not permitted for Contracts issued before May 1, 2023. If you decide to execute an Early Reallocation, you can execute a Performance Lock and then, at the earliest, execute an Early Reallocation on the same Business Day. When executing both the Performance Lock and Early Reallocation on the same Business Day, your Lock Date is also the Term Start Date for the new Index Option.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will not receive a Performance Credit on any locked Index Option on the Term End Date.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the Daily Adjustment calculated at the end of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">current</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Business Day on the Lock Date to determine your locked Index Option Value. This means that, if you request a Performance Lock, your Index Option Value will lock at an unknown future value which may be higher or lower than it was at the point in time you requested a Performance Lock. In addition, if you set a lower target, your Index Option Value may lock at a lower value than the target you set.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Performance Lock is executed when your Daily Adjustment has declined, you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the Index Option was not locked.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not execute your request for a Performance Lock on the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options if the Daily Adjustment is zero unless your Contract was issued before May 1, 2023. This may limit your ability to take advantage of the benefits of the Early Reallocation feature.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There are limits on Early Reallocations. We do not accept Early Reallocation requests within 14 calendar days before an Index Anniversary; and you are limited to twelve Early Reallocation requests each Index Year, but each request can involve multiple locked Index Options. After you reach the Early Reallocation request limit in an Index Year, any locked Index Options will remain locked until the next Index Anniversary. These limitations mean you may not be able to take advantage of any increases to Early Reallocation rates, or any advantageous changes to Index values that may become available at the optimal time. This may limit your return potential. Early Reallocation is available for amounts allocated to any locked Index Option, subject to the restrictions described in this prospectus.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Early Reallocation Trigger Rates, Caps, and Participation Rates you receive may be less than the Early Reallocation rates that become available later in the Index Year, or the renewal rates available on the next Index Anniversary. This may limit your return potential.</span></div></div> </div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;text-align:left;width:489pt;"><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">We will not provide advice or notify you regarding whether you should execute a Performance Lock or Early </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Reallocation or the optimal time for doing so, if any. We will not warn you if you execute a Performance Lock or </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Early Reallocation at a sub-optimal time. We are not responsible for any losses related to your decision whether or </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">not to execute a Performance Lock or Early Reallocation.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Substitution of an Index and Limitation on Further Investments</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There is no guarantee that the Indexes will be available during the entire time that you own your Contract, including the Index we use to calculate the MVA. Once we add an Index to your Contract, we cannot remove it without simultaneously substituting it. For the Index Options, if we substitute a new Index for an existing Index, the performance of the new Index may be different and this may affect your ability to receive positive Performance Credits.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Depending on the constitution of the substituted Index, the volatility of its investments, and our ability to hedge the Index’s performance, we may determine, in our discretion, to increase or decrease renewal Trigger Rates, Caps, and Participation Rates associated with the new Index, subject to their respective minimums. However, we would not implement any change to reflect this difference until the next Term Start Date after the substitution. The substitution of an Index during a Term may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index due to changes in Proxy Value inputs (such as volatility, dividend yield, and interest rate). However, you would only be affected by this change in the Daily Adjustment if a transaction to which the Daily Adjustment applies (such as a withdrawal you take) occurs on the substitution date.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Changes to Trigger Rates, Caps, and Participation Rates</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Subject to their respective minimums, we establish the initial Trigger Rates, Caps, and Participation Rates for a newly issued Contract on the Index Effective Date and they cannot change until the next Term Start Date. You select the Index Effective Date when you purchase your Contract. It can be any Business Day from the Issue Date up to and including the first Quarterly Contract Anniversary, but it cannot be the 29</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of a month.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> and cannot be superseded until that period ends. If you select an Index Effective Date that is within the guaranteed period for the initial rates that are available for review on the date you signed your application, you will receive the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial Trigger Rates, Caps, and Participation Rates may change and be less advantageous to you. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs. Furthermore, if your Index Effective Date is after the end of the free look period and </span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">you cancel the Contract, you will receive the Cash Value. On or before the Index Effective Date, the Daily Adjustment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">and MVA </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> apply. You may review future rates at least seven calendar days before their effectiveness at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">. Subject to the limitations related to designating the Index Effective Date, you (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can change the renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates for an existing Contract on each new Term Start Date subject to the guaranteed minimums, in our discretion. You risk the possibility that renewal Trigger Rates, Caps, and Participation Rates will be as low as the applicable guaranteed minimums.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that current Trigger Rates, Caps, and Participation Rates are expiring, and that renewal rates for the next Term Start Date will be available for your review. The Index Anniversary letter also reminds you of your opportunity to transfer your Index Option Values on the upcoming Term End Date. On each Term End Date, you have the option of remaining allocated to your current Index Options at the renewal Trigger Rates, Caps, and Participation Rates that we set on the next Term Start Date, or transferring to another permitted Index Option. At least seven calendar days before each Index Anniversary, we publish renewal rates for the next Term Start Date for your review in your account on our website, and on our public website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If you do not review renewal change information when it is published or take no action to transfer to another permitted Index Option, you will remain allocated to your current Index Options and will automatically become subject to the renewal Trigger Rates, Caps, and Participation Rates until the next Term End Date.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">When your renewal rates change, if you do not want to remain invested in the same Index Option for a new Term, the only other options available to you are to transfer Index Option Value between Index Options by changing your allocation instructions, or take a full withdrawal of the Index Option Value (which may be subject to a negative MVA, is subject to income taxes, and may be subject to tax penalties).</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you execute a Performance Lock, you may be able to request an Early Reallocation and begin a new Index Option with a new Term Start Date and a new Trigger Rate, Cap, or Participation Rate before the next Index Anniversary. We can change Early Reallocation Trigger Rates, Caps, and Participation Rates subject to the guaranteed minimums, in our discretion. We publish Early Reallocation rates at least seven calendar days before the end of the current Early Reallocation offering period for your review in your account on our website. If you do not execute an Early Reallocation, you will remain allocated to your current locked Index Options until the Index Anniversary that occurs on or immediately after the Lock Date.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates may vary significantly depending upon a variety of factors, including, but not limited to:</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Term length,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">level of downside protection,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">market volatility,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our hedging strategies and investment performance,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the availability of hedging instruments,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the amount of money available to us through Contract fees and expenses to purchase hedging instruments,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">expenses incurred by the Company,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">your Index Effective Date,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the level of interest rates,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">utilization of Contract benefits by Owners, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our profitability goals.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These factors also impact any new Buffer or Floor Index Options that become available under the Contract. Due to a combination of factors, including potential changes in interest rates and other market conditions (e.g. rising inflation), the current economic environment is evolving. The future impact on initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates cannot be predicted with certainty. The effect of a change in interest rates or other market conditions may not be direct or immediate. There may be a lag in changes to Trigger Rates, Caps, and Participation Rates. Interest rates could increase. In a rising interest rate environment, increases in initial Trigger Rates, Caps, and Participation Rates, if any, may be substantially slower than increases in interest rates. However, a rising interest rate environment may have the opposite effect on renewal rates and cause renewal Trigger Rates, Caps, and Participation Rates to decrease.</span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We manage our obligation to provide Performance Credits in part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates to reflect these cost changes. The primary factor affecting the differences in the initial Trigger Rates, Caps, and Participation Rates for newly issued Contracts and renewal and Early Reallocation rates for existing Contracts is the difference in what we can earn from these investments for newly issued Contracts versus what we are earning on the investments that were made for existing Contracts. In some instances, we may need to reduce initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates, or we may need to substitute an Index. You bear the risk that we may reduce Trigger Rates, Caps, and Participation Rates, which reduces your opportunity to receive positive Performance Credits.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks of Deducting Investment Advisory Fees From the Contract</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We designed the Contract to be owned by individuals (or a trust or other entity acting as an agent for a natural person) who are receiving ongoing investment advice from a Financial Professional. You can authorize your Financial Professional’s firm to receive investment advisory fees deducted from your Contract. Deductions we make for investment advisory fees may be subject to a Daily Adjustment (that could be negative), and will reduce your Contract Value and Cash Value dollar for dollar. We do not consider these deductions to be RMD payments or Income Payments, and they do not reduce the Maximum Anniversary Value under the Maximum Anniversary Value Death Benefit. However, your initial annual maximum Income Payment, Income Payment increases under the Level Income payment option, and increases to the Maximum Anniversary Value are based on Contract Value. So these deductions reduce your initial annual maximum Income Payment, and reduce the likelihood you will receive Income Payment increases if you select the Level Income payment option, or receive increases to the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. Because the death benefit is the greatest of Contract Value, Cash Value, or the Guaranteed Death Benefit Value, deductions we make for investment advisory fees reduce the death benefit available to your Beneficiaries. As Contract Value is also one of the components we use to calculate RMD payments, these deductions also reduce RMD payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Other Contract Changes Risk</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We reserve the right to modify or restrict several benefits or features of the Contract. We restrict additional Purchase Payments. Each Index Year during the Accumulation Phase and before the Income Benefit Date, you cannot add more than your initial amount without our prior approval. Your initial amount is the total of all Purchase Payments received before the first Quarterly Contract Anniversary of the first Contract Year. We allow you to add up to the initial amount in the remainder of the first Index Year. In addition to this Purchase Payment restriction, we reserve the right to decline any or all Purchase Payments at any time on a nondiscriminatory basis. For Contracts issued in certain states, we reserve the right to hold your initial Purchase Payment in the Variable Option until the free look period ends, and then reallocate your Contract Value, less fees and expenses, according to your allocation instructions. For further information regarding Purchase Payment restrictions, see section 3, Purchasing the Contract – Purchase Requirements.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">As it relates to the Index Options, we reserve the right to close Index Options to new Purchase Payments and transfers. However, once an Index Option is added to a Contract, we cannot remove it, change how it calculates Performance Credits, or change its Buffer or Floor.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We also reserve the right to substitute the Fund in which the Variable Option invests. We reserve the right to add or eliminate additional variable investment options, subject to applicable law.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In states that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lastly, we reserve the right to treat a partial withdrawal that reduces Contract Value below $2,000 as a full withdrawal. If Annuity Payments would be less than $100, we reserve the right to require you to take a full withdrawal and your Contract will then terminate. However, we do not apply the MVA on this full withdrawal.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Our Financial Strength and Claims-Paying Ability</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">All payments and financial guarantees under the Contract are subject to our financial strength and claims-paying ability. We make Income Payments, Annuity Payments, and pay death benefits from our general account. Our general account assets are subject to claims by our creditors. We apply Performance Credits from an unregistered, non-unitized, non-insulated separate account (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Separate Account IANA</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">). Like our general account, the assets in Separate Account </span></div> </div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">IANA are subject to our general business operation liabilities and the claims of our creditors. For more information on Separate Account IANA, see The Insurance Company, Separate Accounts, and General Account – Our Unregistered Separate Account.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Business and Operational Risks Relevant to the Contract</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Business Disruption and Cybersecurity Risks.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Our business relies on technology systems and networks, including systems and networks managed by third parties, to process, transmit and store information; perform transactions related to the Contract; and conduct other business activities. Maintaining the integrity of our systems is critical to our business operations and to the protection of our clients’ personal information. Any cybersecurity breaches or interference that may in the future occur could have a material adverse impact on our business operations and our financial condition.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Publicly-reported cybersecurity threats and incidents have dramatically increased in recent years, and financial services companies and their third-party service providers are increasingly the targets of cyberattacks. We have implemented and maintain security measures designed to protect against breaches of security and other interference with systems and networks, and require third party vendors to meet certain information security standards; however, we cannot ensure that our systems and networks will not be subject to breaches or interference, or that we will always be able to readily detect a cybersecurity incident. Any such event may result in operational disruptions as well as unauthorized access to or the disclosure or loss of our proprietary information or our clients’ personal information. Any such event may interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Although we maintain cybersecurity insurance coverage against costs resulting from cybersecurity incidents, it is possible losses will exceed the amount available under our coverage. We cannot be certain that advances in criminal capabilities, discovery of new vulnerabilities, attempts to exploit vulnerabilities in our systems, data thefts, physical system or network break-ins or inappropriate access, or other developments will not compromise or breach the technology or other security measures protecting our networks and systems used in connection with our products and services.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Natural or Man-made Disasters.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The occurrence of natural or man-made disasters (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, extreme weather events, acts of terrorism, public health crises, industrial accidents, blackouts, military actions) could adversely affect our business operations, particularly if those events affect our computer-based data processing, transmission, storage, and retrieval systems or destroy data. Such disasters may damage our facilities, preventing our employees from performing their roles, otherwise disturbing our ordinary business operations, and impacting claims processing. We rely on certain third-parties to provide certain services important to our business operations. While we monitor the business continuity planning of such third-parties, successful implementation and execution of their business continuity plans are largely outside of our control. Weaknesses or failures within a vendor’s business continuity plan in light of a natural or man-made disaster could materially disrupt our business operations.</span></div> </div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risk of Loss</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Returns on securities and securities Indexes can vary substantially, which may result in investment losses. The historical performance of the Investment Options does not guarantee future results. It is impossible to predict whether underlying investment values will fall or rise. Securities markets are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. Depending on your individual circumstances (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, your selected Index Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. You should consult with a Financial Professional.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Variable Option does not provide any protection against loss of principal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings for Purchase Payments held in the Variable Option and such losses could be significant.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You should consider whether investing in an Index Option is consistent with your financial needs. If you allocate Purchase Payments or transfer Contract Value to an Index Option with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, negative Index Returns may cause Performance Credits to be either negative after application of the Buffer, or negative down to the Floor. For the Index Dual Precision Strategy and Index Performance Strategy, we apply the Buffer for the entire Term length; we do not apply the Buffer annually on a 3-year or 6-year Term Index Option. Ongoing deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract could also cause amounts available for withdrawal to be less than what you invested even if Index performance has been positive. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Index Options with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, and such losses could be significant. If you allocate Purchase Payments or transfer Contract Value to the Index Options with the Index Protection Strategy with Trigger or Index Protection Strategy with Cap you can also lose principal and previous earnings if you do not receive a Performance Credit, or if the Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract are greater than the Performance Credit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The maximum potential negative Performance Credit for the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy is based on the Buffer. If the Buffer is 10%, the maximum negative Performance Credit is -90%; if the Buffer is 20%, the maximum negative Performance Credit is -80%; and if the Buffer is 30%, the maximum negative Performance Credit is -70%. The maximum potential negative Performance Credit for the Index Guard Strategy is the -10% Floor. At least one Index Option with a Buffer no lower than 5% or Floor no lower than -25%, or an Index Option that provides complete protection from Index losses, will always be available for renewal under the Contract.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition to any losses from negative investment performance, you may experience losses under the Contract due to any applicable negative MVAs, other Contract fees and charges, negative Daily Adjustments, taxes, and tax penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Early Withdrawal and Liquidity Risk</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We designed the Contract to be a long-term investment that you can use to help build and provide income for retirement. The Contract is not suitable for short-term investment. Withdrawals under the Contract may be subject to negative MVAs, other Contract fees and charges, negative Daily Adjustments, taxes, and tax penalties.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you take a full or partial withdrawal during the MVA period, we apply an MVA unless the withdrawal is an MVA-Free Withdrawal. We also apply the MVA during the MVA period if you take Annuity Payments or if we pay a death benefit. While MVA-Free Withdrawals provide some liquidity, they are permitted in only limited amounts or in special circumstances. If you need to withdraw most or all of your Contract Value in a short period, you will likely exceed the MVA-Free Withdrawal amounts available to you and we will apply an MVA.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The MVA can be positive or negative according to the interest rate environment as measured by the corporate bond yields through the Bloomberg US Long Corporate Bond Index. In periods when bond yields have significantly decreased, the MVA limit (the maximum total positive or negative MVA is either 10% of the amount withdrawn on a partial withdrawal, or 10% of Contract Value for a full withdrawal, Annuity Payments, or payment of the death benefit) may reduce the amount you would have received from a positive MVA. In general, as the time remaining in the MVA period drops, a more substantial bond yield change is required to reach the 10% MVA limit. However, there are also other factors influencing how much bond yields would have to drop or increase to reach the 10% MVA limit including any gains or losses in the Contract and corporate bond yields at the time each Annual Contribution Amount begins. For example, assume you purchase a Contract with a single Purchase Payment of $100,000 allocated to one Index Option, the Issue Date is the Index Effective Date, the initial bond yield is 3%, and you take no partial withdrawals. On the second Index Anniversary, the Contract Value has decreased to $90,000 and you request a full withdrawal. The maximum negative MVA of -10% of Contract Value would occur if bond yields increased by 1.96% or more. If instead you wait and take a full withdrawal on the sixth Index Anniversary when the Contract Value has increased to $120,000, the maximum negative MVA of -10% of Contract Value would occur if bond yields increased by 14.04% or more.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate the MVA as a percentage (called the MVA factor) of the amount of Purchase Payment withdrawn from an Annual Contribution Amount, not a percentage of Contract Value. Consequently, if the Contract Value has declined since the Annual Contribution Amount(s) were established and the MVA is negative, it is possible that the percentage of Contract Value withdrawn to cover the negative MVA would be greater than if the MVA were deducted as a percentage of Contract Value. For example, assume you buy the Contract with a single Purchase Payment of $10,000, your Index Effective Date is the Issue Date, and the yield on the Bloomberg US Long Corporate Bond Index on the Index Effective Date is 2%. On the 5</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversary your Contract Value is $8,000 after we deduct Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract and you request a full withdrawal. If the yield on the Bloomberg US Long Corporate Bond Index has increased to 3%, the MVA factor is -1.932%. The MVA would be -$193.20 (-1.932% of $10,000). As your Contract Value is less than $100,000, we will also deduct the $50 contract maintenance charge. This results in you receiving $7,756.80. For purposes of this example, we have not factored in any final product and rider fees that may apply and be deducted in connection with a full withdrawal.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On a full withdrawal, the free withdrawal privilege is not available to you, and we apply an MVA against Annual Contribution Amounts that are still within their MVA period, including amounts previously withdrawn under the free withdrawal privilege. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">On a full withdrawal, your total Annual Contribution Amounts may be greater than your Contract Value because the following reduce your Contract Value, but do not reduce your Annual Contribution Amounts: prior MVA-Free Withdrawals; deductions we make for Contract fees, expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract; and/or poor performance.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The present interest rate environment is evolving due to a combination of factors, including market conditions (e.g., inflation) and actions by governmental authorities. Future changes in interest rates, and the potential impact on MVAs, cannot be predicted with certainty. Interest rates may increase, which could increase the risk of negative MVAs. You should consult with a Financial Professional about how the present interest rate environment may impact your future decisions related to the Contract. For more information on the MVA, including how we calculate the MVA factor, see section 7, Expenses and Adjustments – Market Value Adjustment (MVA).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Amounts withdrawn from this Contract are subject to income taxes and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We only apply Performance Credits to the Index Options once each Term on the Term End Date, rather than daily. In the interim, we calculate Index Option Values based on the Daily Adjustment. For more information, see “Risks Associated with the Daily Adjustment” later in this section. The Variable Option is not subject to the Daily Adjustment. Any assets removed from an Index Option during the Term for withdrawals you take (including Income Payments and other MVA-Free Withdrawals), Annuity Payments, or deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract, or if we pay a death benefit, will not be eligible to receive a Performance Credit on the Term End Date. You will receive a Performance Credit only on any unlocked Index Option Value remaining in an Index Option on the Term End Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can typically transfer Index Option Value among the Index Options only on Term End Dates. However, you can transfer assets out of an Index Option before the Term End Date by executing a Performance Lock. Once an Index Option is locked, you can transfer assets out of it on the Index Anniversary that occurs on or immediately after the Lock Date. For a 3-year or 6-year Term Index Option this means you can transfer out of the locked Index Option before the Term End Date by executing a Performance Lock on or before the second Index Anniversary of a 3-year Term, or on or before the fifth Index Anniversary of a 6-year Term. For Contracts issued on or after May 1, 2023, you can also transfer assets out of any locked Index Option, including 1-year Term Index Options, before the Term End Date by requesting an Early Reallocation. You may execute twelve Early Reallocations each Index Year, but each request can involve multiple locked Index Options. These restrictions on transfers may limit your ability to react to changes in market conditions.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Income Benefit Risks</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit is automatically included in the Contract for an additional rider fee and you cannot remove it.</span> <br/></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We generally base Income Payments on the Lifetime Income Percentage you select and your Contract Value, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">not a guaranteed value.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Decreases in Contract Value due to negative Index Option performance during the Accumulation Phase up to and including the Income Benefit Date, deductions for Contract fees and expenses, and withdrawals, also decrease the Income Payment amount available to you.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you choose the Level Income payment option and meet the age requirements stated in section 11, Income Benefit – Calculating Your Income Payments, your initial annual maximum Income Payment will not be less than the Level Income Guarantee Payment Percentage multiplied by your total Purchase Payments reduced proportionately for withdrawals you took (including any MVA). However, the Level Income Guarantee Payment Percentage is not available to you under the Level Income payment option if you do not meet the age requirements stated in section 11, or if you choose the Increasing Income payment option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Income Payments made while your Contract Value is positive are a withdrawal of your own assets and reduce your Contract Value. If your Contract Value remains above zero when the Income Payments end, you may not realize a benefit from the Income Benefit; the chances of your Contract Value being reduced to zero may be minimal.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We also base Income Payments on the Eligible Person(s) that we establish at issue. If you change Owners or Beneficiary(ies), we may remove an Eligible Person or Covered Person as stated in section 2, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">which may cause Income Payments to be unavailable or end prematurely.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the age of the Eligible Person(s) to determine the Income Percentage(s) and Income Percentage Increases. Income Percentage Increases are not available until age 45. This means if an Eligible Person is younger than age 44 on the Issue Date, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">you will not receive an increase to a Lifetime Income Percentage based on that Eligible Person until the Index Anniversary that the Eligible Person (or younger Eligible Person for joint payments) reaches age 45, and you will pay a rider fee during the period you are not eligible for an Income Percentage Increase.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The eligibility period to begin Income Payments is subject to a waiting period and both a minimum and maximum age requirement for the Eligible Person(s). For single Income Payments, we only allow an Eligible Person who is an Owner to become a Covered Person, and joint Income Payments may not be available if the age difference between spouses is too great, as stated in section 2, Ownership, Annuitant, Determining Life, Beneficiary, and Payee – Eligible Person(s) and Covered Person(s). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If you do not begin Income Payments during the eligibility period, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition, if you have Contract Value in an Index Option for which the Income Benefit Date is not a Term End Date, we will execute a Performance Lock for that Index Option if it is not locked and then immediately calculate and begin your Income Payments. If you have Index Options with different Term End Dates, there may be no date when the Daily Adjustment does not apply. For the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options, we will execute this Performance Lock even if the Daily Adjustment is zero.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The initial annual maximum Income Payment available to you must be at least $100. If your Contract Value on the Income Benefit Date is reduced and this $100 minimum cannot be met, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages. Income Payments and the Income Benefit may also end prematurely if you take Excess Withdrawals, or you annuitize the Contract. A full Excess Withdrawal and certain partial Excess Withdrawals will cause Income Payments to stop and the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;text-decoration:underline;">and all of its benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;"> to end.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> However, we can convert your Income Payment to Annuity Payments as described in section 9, The Annuity Phase – When Annuity Payments Begin.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Multiplier Benefit can provide increased income if you are confined for care or are unable to perform at least two activities of daily living. However, this benefit has a waiting period and you must meet certain requirements to receive it. If you are unable to meet these requirements the Income Multiplier Benefit may not be available to you when you need it. If you qualify for the Income Multiplier Benefit, it also may not provide enough income to pay for the care you require. For joint Covered Persons, if you both qualify for this benefit at the same time you will get the same payment increase as a single Covered person; we do not apply the increase separately for each Covered Person.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For more information see “How the Income Benefit Works” and “During the Income Period” in section 11, Income Benefit.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risk of Change to the Income Benefit Supplement Prior to the Issue Date</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Payment waiting period and the table showing the Income Percentages and Income Percentage Increases for your Contract are stated in the Income Benefit Supplement that is in effect on the date you sign your application. The supplement also includes the income multiplier factor and income multiplier benefit wait period for the Income Multiplier Benefit. Your Financial Professional will give you a copy of the prospectus with the current Income Benefit supplement when you apply for a Contract. If we do not receive your initial Purchase Payment within 60 calendar days of the date you sign the application, and the Income Benefit Supplement terms have changed since this date, you will receive the Income Benefit Supplement terms that are in effect on the Issue Date instead of the terms that were in effect when you applied for the Contract. You bear the risk that, if there is more than a 60-day delay between the time you apply for the Contract and the Issue Date, the Income Benefit Supplement terms may change and be less advantageous to you. When we issue the Contract, we send you the current prospectus with the current Income Benefit Supplement. We cannot change these terms for your Contract once they are established. We publish any changes to these terms in an amended Income Benefit Supplement at least seven calendar days before they take effect on our website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The amended Income Benefit Supplement is also filed on EDGAR at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.sec.gov</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> under Form N-4 File Numbers 333-264349 and 333-255394. You can contact us to receive the Income Benefit Supplement applicable to your Contract by calling our Service Center at the toll-free telephone number listed at the back of this prospectus.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can find historical Income Benefit and Income Multiplier Benefit Supplement values in Appendix F for benefits issued before May 1, 2026.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Risks</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Index Option returns depend, in part, on the performance of an Index although you are not directly invested in the Index or in the securities tracked by the Index. You will have no voting rights, no rights to receive cash dividends or other distributions, and no other rights with respect to the companies that make up the Indexes. Because the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> MSCI Emerging Markets ETF are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, and EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> are all “price return indexes,” not “total return indexes,” and therefore do not reflect dividends paid on the securities composing the Index. This will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. For the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, this Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment. Because Index performance for the iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> MSCI Emerging Markets ETF is based on the ETF’s closing share price, Index performance is calculated on a “price return” basis, not a “total return” basis, and therefore does not reflect dividends paid on the securities in which the ETF invests. In addition, an ETF deducts fees and costs, which reduce Index performance. These factors will reduce the Index 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 style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In addition to the foregoing, each Index has its own unique risks, as follows:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities issued by large-capitalization (“large cap”) U.S. companies. In general, large capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities of small-capitalization (“small-cap”) U.S. companies. Generally, the securities of small-cap companies are more volatile and riskier than the securities of large-cap companies.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Index:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on the Nasdaq Stock Market, including companies across all major industry groups except financial companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies. To the extent that the Index is comprised of securities issued by companies in a particular sector, those securities may not perform as well as the securities of companies in other sectors or the market as a whole. Also, any securities issued by non-U.S. companies are subject to the risks related to investments in foreign markets (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, increased volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> This Index is comprised of the equity securities of large-capitalization companies in the Eurozone. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges or changes in their industries, and may not be able to attain the high growth rate of successful smaller companies. Securities issued by non-U.S. companies are subject to the risks related to investments in foreign markets (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, increased volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> MSCI Emerging Markets ETF:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The iShares MSCI Emerging Markets ETF seeks to track the investment results of an index composed of large- and mid-capitalization emerging market equities. Investments in emerging market issuers may be subject to a greater risk of loss than investments in issuers located or operating in more developed markets. Emerging markets may be more likely to experience inflation, social instability, political turmoil or rapid changes in economic conditions than more developed markets. Companies in many emerging markets are not subject to the same degree of regulatory requirements, accounting standards or auditor oversight as companies in more developed countries, and as a result, information about the securities in which the ETF invests may be less reliable or complete. Emerging markets often have less reliable securities valuations and greater risk associated with custody of securities than developed markets. There may be significant obstacles to obtaining information necessary for investigations into or litigation against companies and shareholders may have limited legal remedies.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with the Daily Adjustment</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">The Variable Option is not subject to the Daily Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine the contract maintenance charge and Charge Base for the product and rider fees. The Daily Adjustment can be less than the Trigger Rate or Cap even if the current Index return during the Term is greater than the Trigger Rate or Cap. In addition, even if the Index has performed positively since the beginning of the the Term, the Daily Adjustment may be negative. However, the Daily Adjustment for the Index Protection Strategy with Trigger and Index Protection Strategy with Cap cannot be negative. The Daily Adjustment is generally negatively affected by:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">interest rate decreases,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">dividend rate increases,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">poor market performance, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the expected volatility of Index prices. Generally, increases in the expected volatility of Index prices negatively affect the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy 1-year Term Index Options, while decreases in the expected volatility of Index prices negatively affect the Index Guard Strategy. For the Index Performance Strategy 3-year and 6-year Term Index Options, and Index Protection Strategy with Cap, the impact of changes in the expected volatility of Index prices is dependent on the market environment and the applicable Caps and Participation Rates. For the Index Protection Strategy with Trigger, the impact of changes in the expected volatility of Index prices is dependent on the market environment.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment for Index Options with a Term length of more than 1 year (3-year and 6-year Term Index Options and Early Reallocation to a 1-year Term Index Option) may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative Daily Adjustment is generally greater for Index Options with a Term length of more than 1 year than for 1-year Term </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Index Options due to the Term length. The Index Performance Strategy 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate equal to 100%. For shorter Term lengths, there is more certainty in both the final Index Values and how Trigger Rates, Caps, Buffers, and Floors determine Performance Credits. This means there may be less fluctuation in the Daily Adjustment due to changes in Index return for Index Options with shorter Term lengths.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If amounts are withdrawn or otherwise removed from an Index Option with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy before the Term End Date, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">you could lose principal and previous earnings due to a negative Daily Adjustment. A negative Daily Adjustment for these Index Options could result in losses greater than the protection provided by the applicable Buffer or Floor, which apply only on the Term End Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The maximum potential loss from a negative Daily Adjustment is: -99% for the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy; and -35% for the Index Guard Strategy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;"> Such losses will be greater if you take a withdrawal that is subject to a negative MVA, is a deduction of Contract fees or charges, investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract, taxes, or tax penalties also apply.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Calculation of Performance Credits</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate Performance Credits each Term on the Term End Date. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method may have experienced gains through some, or most, of the Term. If you allocate Purchase Payments or transfer Contract Value to the Index Options with Index Protection Strategy with Trigger or Index Protection Strategy with Cap, positive returns are limited by the Trigger Rates and Caps. You are not subject, however, to potential negative Performance Credits for those Index Options. The Trigger Rates on the Index Dual Precision Strategy and Index Precision Strategy Index Options, and the Caps on the Index Guard Strategy and Index Performance Strategy Index Options also limit positive returns, and for these Index Options, you may be subject to potential negative Performance Credits. Trigger Rates and Caps could cause performance to be lower than it would otherwise have been if you invested in a mutual fund or exchange-traded fund designed to track the performance of the applicable Index.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Performance Strategy, we apply the Cap and any Participation Rate for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">apply the Cap and any Participation Rate annually on a 3-year or 6-year Term Index Option. For the Index Dual Precision Strategy, we apply the Trigger Rate for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> apply the Trigger Rate annually on a 3-year or 6-year Term Index Option. See “Risk of Loss” above for information about risks associated with Buffers and Floors when calculating Performance Credits.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Options do not receive any dividends payable on these securities. The Index Options also do not directly participate in the returns of the Indexes or the Indexes’ component securities. Index Returns would be higher if they included the dividends from the component securities.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Trigger Rates, Caps, and Participation Rates may be adjusted on the next Term Start Date and may vary significantly from Term to Term. For more information, see the “Risks Associated with Changes to Trigger Rates, Caps, and Participation Rates” discussion later in this section.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Crediting Methods only capture Index Values on the Term Start Date and Term End Date, so you will bear the risk that the Index Value might be abnormally high on a Term Start Date or low on a Term End Date, which in either case could negatively impact your Performance Credits at the end of the Term.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Performance Locks and Early Reallocations</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Performance Lock is executed:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will no longer participate in Index performance, positive or negative, for the remainder of the Term for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder of the Term for a locked Index Option, and you will begin a new Index Option with a new Term Start Date on the next Index Anniversary that occurs on or immediately after the Lock Date unless you execute an Early Reallocation (if available to you). Early Reallocation is not permitted for Contracts issued before May 1, 2023. If you decide to execute an Early Reallocation, you can execute a Performance Lock and then, at the earliest, execute an Early Reallocation on the same Business Day. When executing both the Performance Lock and Early Reallocation on the same Business Day, your Lock Date is also the Term Start Date for the new Index Option.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will not receive a Performance Credit on any locked Index Option on the Term End Date.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use the Daily Adjustment calculated at the end of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">current</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Business Day on the Lock Date to determine your locked Index Option Value. This means that, if you request a Performance Lock, your Index Option Value will lock at an unknown future value which may be higher or lower than it was at the point in time you requested a Performance Lock. In addition, if you set a lower target, your Index Option Value may lock at a lower value than the target you set.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Performance Lock is executed when your Daily Adjustment has declined, you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the Index Option was not locked.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will not execute your request for a Performance Lock on the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options if the Daily Adjustment is zero unless your Contract was issued before May 1, 2023. This may limit your ability to take advantage of the benefits of the Early Reallocation feature.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There are limits on Early Reallocations. We do not accept Early Reallocation requests within 14 calendar days before an Index Anniversary; and you are limited to twelve Early Reallocation requests each Index Year, but each request can involve multiple locked Index Options. After you reach the Early Reallocation request limit in an Index Year, any locked Index Options will remain locked until the next Index Anniversary. These limitations mean you may not be able to take advantage of any increases to Early Reallocation rates, or any advantageous changes to Index values that may become available at the optimal time. This may limit your return potential. Early Reallocation is available for amounts allocated to any locked Index Option, subject to the restrictions described in this prospectus.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Early Reallocation Trigger Rates, Caps, and Participation Rates you receive may be less than the Early Reallocation rates that become available later in the Index Year, or the renewal rates available on the next Index Anniversary. This may limit your return potential.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">We will not provide advice or notify you regarding whether you should execute a Performance Lock or Early </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Reallocation or the optimal time for doing so, if any. We will not warn you if you execute a Performance Lock or </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Early Reallocation at a sub-optimal time. We are not responsible for any losses related to your decision whether or </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">not to execute a Performance Lock or Early Reallocation.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Substitution of an Index and Limitation on Further Investments</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There is no guarantee that the Indexes will be available during the entire time that you own your Contract, including the Index we use to calculate the MVA. Once we add an Index to your Contract, we cannot remove it without simultaneously substituting it. For the Index Options, if we substitute a new Index for an existing Index, the performance of the new Index may be different and this may affect your ability to receive positive Performance Credits.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Depending on the constitution of the substituted Index, the volatility of its investments, and our ability to hedge the Index’s performance, we may determine, in our discretion, to increase or decrease renewal Trigger Rates, Caps, and Participation Rates associated with the new Index, subject to their respective minimums. However, we would not implement any change to reflect this difference until the next Term Start Date after the substitution. The substitution of an Index during a Term may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index due to changes in Proxy Value inputs (such as volatility, dividend yield, and interest rate). However, you would only be affected by this change in the Daily Adjustment if a transaction to which the Daily Adjustment applies (such as a withdrawal you take) occurs on the substitution date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Changes to Trigger Rates, Caps, and Participation Rates</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Subject to their respective minimums, we establish the initial Trigger Rates, Caps, and Participation Rates for a newly issued Contract on the Index Effective Date and they cannot change until the next Term Start Date. You select the Index Effective Date when you purchase your Contract. It can be any Business Day from the Issue Date up to and including the first Quarterly Contract Anniversary, but it cannot be the 29</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of a month.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> and cannot be superseded until that period ends. If you select an Index Effective Date that is within the guaranteed period for the initial rates that are available for review on the date you signed your application, you will receive the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial Trigger Rates, Caps, and Participation Rates may change and be less advantageous to you. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs. Furthermore, if your Index Effective Date is after the end of the free look period and </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">you cancel the Contract, you will receive the Cash Value. On or before the Index Effective Date, the Daily Adjustment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">and MVA </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> apply. You may review future rates at least seven calendar days before their effectiveness at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">. Subject to the limitations related to designating the Index Effective Date, you (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can change the renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates for an existing Contract on each new Term Start Date subject to the guaranteed minimums, in our discretion. You risk the possibility that renewal Trigger Rates, Caps, and Participation Rates will be as low as the applicable guaranteed minimums.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that current Trigger Rates, Caps, and Participation Rates are expiring, and that renewal rates for the next Term Start Date will be available for your review. The Index Anniversary letter also reminds you of your opportunity to transfer your Index Option Values on the upcoming Term End Date. On each Term End Date, you have the option of remaining allocated to your current Index Options at the renewal Trigger Rates, Caps, and Participation Rates that we set on the next Term Start Date, or transferring to another permitted Index Option. At least seven calendar days before each Index Anniversary, we publish renewal rates for the next Term Start Date for your review in your account on our website, and on our public website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If you do not review renewal change information when it is published or take no action to transfer to another permitted Index Option, you will remain allocated to your current Index Options and will automatically become subject to the renewal Trigger Rates, Caps, and Participation Rates until the next Term End Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">When your renewal rates change, if you do not want to remain invested in the same Index Option for a new Term, the only other options available to you are to transfer Index Option Value between Index Options by changing your allocation instructions, or take a full withdrawal of the Index Option Value (which may be subject to a negative MVA, is subject to income taxes, and may be subject to tax penalties).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you execute a Performance Lock, you may be able to request an Early Reallocation and begin a new Index Option with a new Term Start Date and a new Trigger Rate, Cap, or Participation Rate before the next Index Anniversary. We can change Early Reallocation Trigger Rates, Caps, and Participation Rates subject to the guaranteed minimums, in our discretion. We publish Early Reallocation rates at least seven calendar days before the end of the current Early Reallocation offering period for your review in your account on our website. If you do not execute an Early Reallocation, you will remain allocated to your current locked Index Options until the Index Anniversary that occurs on or immediately after the Lock Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates may vary significantly depending upon a variety of factors, including, but not limited to:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Term length,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">level of downside protection,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">market volatility,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our hedging strategies and investment performance,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the availability of hedging instruments,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the amount of money available to us through Contract fees and expenses to purchase hedging instruments,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">expenses incurred by the Company,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">your Index Effective Date,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the level of interest rates,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">utilization of Contract benefits by Owners, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our profitability goals.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These factors also impact any new Buffer or Floor Index Options that become available under the Contract. Due to a combination of factors, including potential changes in interest rates and other market conditions (e.g. rising inflation), the current economic environment is evolving. The future impact on initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates cannot be predicted with certainty. The effect of a change in interest rates or other market conditions may not be direct or immediate. There may be a lag in changes to Trigger Rates, Caps, and Participation Rates. Interest rates could increase. In a rising interest rate environment, increases in initial Trigger Rates, Caps, and Participation Rates, if any, may be substantially slower than increases in interest rates. However, a rising interest rate environment may have the opposite effect on renewal rates and cause renewal Trigger Rates, Caps, and Participation Rates to decrease.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We manage our obligation to provide Performance Credits in part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates to reflect these cost changes. The primary factor affecting the differences in the initial Trigger Rates, Caps, and Participation Rates for newly issued Contracts and renewal and Early Reallocation rates for existing Contracts is the difference in what we can earn from these investments for newly issued Contracts versus what we are earning on the investments that were made for existing Contracts. In some instances, we may need to reduce initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates, or we may need to substitute an Index. You bear the risk that we may reduce Trigger Rates, Caps, and Participation Rates, which reduces your opportunity to receive positive Performance Credits.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks of Deducting Investment Advisory Fees From the Contract</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We designed the Contract to be owned by individuals (or a trust or other entity acting as an agent for a natural person) who are receiving ongoing investment advice from a Financial Professional. You can authorize your Financial Professional’s firm to receive investment advisory fees deducted from your Contract. Deductions we make for investment advisory fees may be subject to a Daily Adjustment (that could be negative), and will reduce your Contract Value and Cash Value dollar for dollar. We do not consider these deductions to be RMD payments or Income Payments, and they do not reduce the Maximum Anniversary Value under the Maximum Anniversary Value Death Benefit. However, your initial annual maximum Income Payment, Income Payment increases under the Level Income payment option, and increases to the Maximum Anniversary Value are based on Contract Value. So these deductions reduce your initial annual maximum Income Payment, and reduce the likelihood you will receive Income Payment increases if you select the Level Income payment option, or receive increases to the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. Because the death benefit is the greatest of Contract Value, Cash Value, or the Guaranteed Death Benefit Value, deductions we make for investment advisory fees reduce the death benefit available to your Beneficiaries. As Contract Value is also one of the components we use to calculate RMD payments, these deductions also reduce RMD payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Other Contract Changes Risk</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We reserve the right to modify or restrict several benefits or features of the Contract. We restrict additional Purchase Payments. Each Index Year during the Accumulation Phase and before the Income Benefit Date, you cannot add more than your initial amount without our prior approval. Your initial amount is the total of all Purchase Payments received before the first Quarterly Contract Anniversary of the first Contract Year. We allow you to add up to the initial amount in the remainder of the first Index Year. In addition to this Purchase Payment restriction, we reserve the right to decline any or all Purchase Payments at any time on a nondiscriminatory basis. For Contracts issued in certain states, we reserve the right to hold your initial Purchase Payment in the Variable Option until the free look period ends, and then reallocate your Contract Value, less fees and expenses, according to your allocation instructions. For further information regarding Purchase Payment restrictions, see section 3, Purchasing the Contract – Purchase Requirements.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">As it relates to the Index Options, we reserve the right to close Index Options to new Purchase Payments and transfers. However, once an Index Option is added to a Contract, we cannot remove it, change how it calculates Performance Credits, or change its Buffer or Floor.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We also reserve the right to substitute the Fund in which the Variable Option invests. We reserve the right to add or eliminate additional variable investment options, subject to applicable law.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In states that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lastly, we reserve the right to treat a partial withdrawal that reduces Contract Value below $2,000 as a full withdrawal. If Annuity Payments would be less than $100, we reserve the right to require you to take a full withdrawal and your Contract will then terminate. However, we do not apply the MVA on this full withdrawal.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Risks Associated with Our Financial Strength and Claims-Paying Ability</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">All payments and financial guarantees under the Contract are subject to our financial strength and claims-paying ability. We make Income Payments, Annuity Payments, and pay death benefits from our general account. Our general account assets are subject to claims by our creditors. We apply Performance Credits from an unregistered, non-unitized, non-insulated separate account (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Separate Account IANA</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">). Like our general account, the assets in Separate Account </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">IANA are subject to our general business operation liabilities and the claims of our creditors. For more information on Separate Account IANA, see The Insurance Company, Separate Accounts, and General Account – Our Unregistered Separate Account.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Business and Operational Risks Relevant to the Contract</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Business Disruption and Cybersecurity Risks.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Our business relies on technology systems and networks, including systems and networks managed by third parties, to process, transmit and store information; perform transactions related to the Contract; and conduct other business activities. Maintaining the integrity of our systems is critical to our business operations and to the protection of our clients’ personal information. Any cybersecurity breaches or interference that may in the future occur could have a material adverse impact on our business operations and our financial condition.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Publicly-reported cybersecurity threats and incidents have dramatically increased in recent years, and financial services companies and their third-party service providers are increasingly the targets of cyberattacks. We have implemented and maintain security measures designed to protect against breaches of security and other interference with systems and networks, and require third party vendors to meet certain information security standards; however, we cannot ensure that our systems and networks will not be subject to breaches or interference, or that we will always be able to readily detect a cybersecurity incident. Any such event may result in operational disruptions as well as unauthorized access to or the disclosure or loss of our proprietary information or our clients’ personal information. Any such event may interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Although we maintain cybersecurity insurance coverage against costs resulting from cybersecurity incidents, it is possible losses will exceed the amount available under our coverage. We cannot be certain that advances in criminal capabilities, discovery of new vulnerabilities, attempts to exploit vulnerabilities in our systems, data thefts, physical system or network break-ins or inappropriate access, or other developments will not compromise or breach the technology or other security measures protecting our networks and systems used in connection with our products and services.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Natural or Man-made Disasters.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The occurrence of natural or man-made disasters (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, extreme weather events, acts of terrorism, public health crises, industrial accidents, blackouts, military actions) could adversely affect our business operations, particularly if those events affect our computer-based data processing, transmission, storage, and retrieval systems or destroy data. Such disasters may damage our facilities, preventing our employees from performing their roles, otherwise disturbing our ordinary business operations, and impacting claims processing. We rely on certain third-parties to provide certain services important to our business operations. While we monitor the business continuity planning of such third-parties, successful implementation and execution of their business continuity plans are largely outside of our control. Weaknesses or failures within a vendor’s business continuity plan in light of a natural or man-made disaster could materially disrupt our business operations.</span></div> true <div style="line-height:13.0pt;margin-top:12pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:12.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">1.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">The Contract</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">An annuity is a contract between you as the Owner, and an insurance company (in this case Allianz Life), where you make payments to us and we invest that money in the Index Options you select. The Variable Option holds the money you invest before it is transferred to the Index Options. Depending on market conditions and the returns of your selected Index Options, your Contract may gain or lose value. When you are ready to take money out, we make payments to you according to your instructions and any restrictions associated with the payment option you select that is described in this prospectus. Other than to add benefits that are beneficial to you, we do not make any changes to your Contract without your permission except as may be required by law.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract has an Accumulation Phase and an Annuity Phase. If you begin taking Income Payments, your Contract will also have an Income Period. The Income Period occurs during the Accumulation Phase.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">The Accumulation Phase</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Accumulation Phase</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, we invest your money in the Index Options you select and the Variable Option on a tax-deferred basis. Tax deferral may not be available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take money out of your Contract. For more information, see section 13, Taxes.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Accumulation Phase, you can take withdrawals (subject to any MVA). You can also make additional Purchase Payments before the Income Period subject to the restrictions set out in section 3, Purchasing the Contract – Purchase Requirements. The Contract also offers at issue the optional Maximum Anniversary Value Death Benefit for an additional rider fee (see section 12) if all Owners and the Annuitant are age 75 or younger on the Issue Date. The Maximum Anniversary Value Death Benefit can only be added to a Contract at issue. The Maximum Anniversary Value Death Benefit potentially provides a death benefit greater than the Traditional Death Benefit based on the Maximum Anniversary Value (highest Contract Value on any Index Anniversary before age 91, increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take including any MVA).</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Income Period</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we make regular periodic Income Payments based on the life of the Covered Person(s). During the Income Period we also restrict your selection of Crediting Methods to the Index Protection Strategy with Trigger or Index Protection Strategy with Cap, and you cannot make additional Purchase Payments. However, unlike the Annuity Phase, you will have access to your Contract Value and death benefit for a period of time after Income Payments begin. If you do not take Income Payments your Contract will not have an Income Period. The Income Period ends on the earlier of the last Business Day before the Annuity Date, or the date the Income Benefit ends. Income Payments can continue for the life of the Covered Person(s) if you do not take more than your allowed annual maximum payment. See section 11, Income Benefit for more information.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Accumulation Phase Ends</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Accumulation Phase ends upon the earliest of the following:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day we process your request for a full withdrawal.</span></div> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day before the Annuity Date.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of any Owner (or the Annuitant if the Owner is a non-individual), the Business Day we first receive Valid Claim from any one Beneficiary, unless the surviving spouse/Beneficiary continues the Contract. If there are multiple Beneficiaries, the remaining Contract Value continues to fluctuate with the performance of the Investment Options until the complete distribution of the death benefit. A </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Valid Claim</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> is the documents we require to be received in Good Order at our Service Center before we pay any death claim.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">The Annuity Phase</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you request Annuity Payments, the Accumulation Phase and Income Period (if applicable) of your Contract ends and you enter the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Annuity Phase</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. During the Annuity Phase, we make regular fixed periodic Annuity Payments based on a guaranteed period, life, life with a guaranteed period, joint and last survivor, or joint and 2/3 survivor. We send Annuity Payments to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Payee</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> (the person or entity who receives Annuity Payments during the Annuity Phase). You can choose when Annuity Payments begin, subject to certain restrictions. We base Annuity Payments on the greater of Contract Value less the final product and rider fees, or Cash Value and the payout rates for the Annuity Option you select. If the Annuity Date occurs during the Income Period and your Income Payments are greater than the Annuity Payments as calculated for certain Annuity Options, you can elect to convert Income Payments to Annuity Payments as described in section 9, The Annuity Phase – When Annuity Payments Begin. Your Annuity Payments do not change unless an Annuitant dies, or we convert Income Payments made under the Increasing Income payment option to Annuity Payments. The Increasing Income payment option is discussed in section 11, Income Benefit – Automatic Annual Income Payment Increases. The Annuity Phase ends when we make the last Annuity Payment under your selected Annuity Option. For more information, see section 9, The Annuity Phase.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Contract Ends</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Contract ends when:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">all applicable phases of the Contract (Accumulation Phase, Income Period and/or Annuity Phase) have ended, and/or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">if we received a Valid Claim, all applicable death benefit payments have been made.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For example, if you take a full withdrawal of the Cash Value, both the Accumulation Phase and the Contract end even though the Income Period and Annuity Phase never began and we did not make any death benefit payments.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Investment Advisory Fees</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We designed the Contract to be owned by individuals (or a trust or other entity acting as an agent for a natural person) who are receiving ongoing investment advice from a Financial Professional. If you want to authorize your Financial Professional’s firm to receive investment advisory fees deducted from your Contract, you can complete our service form designed specifically for that authorization. Once our Service Center receives this form in Good Order and we approve it, your Financial Professional’s firm will be able to receive investment advisory fees from your Contract. Upon receipt and approval of an investment advisory fee request in Good Order from your Financial Professional’s firm, we deduct these investment advisory fees from the Contract and pay them to your Financial Professional’s firm upon written request. You can terminate this agreement at any time by providing us written notice. We deduct investment advisory fees that you authorize your Financial Professional to receive from the Contract proportionately from each Index Option and the AZL Government Money Market Fund. Contracts issued before May 1, 2023, allowed you to provide us with alternate instructions for deductions of investment advisory fees as detailed in Appendix G. For these investment advisory fees not </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">to be treated as a taxable distribution, and to be exempt from the 10% additional federal tax for amounts withdrawn before age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, we require that you and your Financial Professional agree to the following:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the total amount of investment advisory fees cannot exceed 1.5% of the Contract Value in each Contract Year,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">that the investment advisory fees compensate the Financial Professional only for advice they provide to you with respect to this Contract and not for any other services or accounts,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">this Contract be solely liable for paying these investment advisory fees directly to your Financial Professional’s firm, and</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">while we are deducting these fees from the Contract, you agree to not pay investment advisory fees to your Financial Professional or anyone else from any other assets.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you and your Financial Professional agree to these requirements, deductions for these investment advisory fees:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> treated as a taxable distribution,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> subject to the 10% additional federal tax if you are under age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> subject to an MVA,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> considered to be an Income Payment, Excess Withdrawal, or RMD payment under our minimum distribution program, and</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> reduce the Annual Contribution Amounts, free withdrawal privilege, total Purchase Payments reduced proportionately for withdrawals you take (including any MVA) used to determine the minimum initial Income Payment under the Level Income payment option, or your Contract’s Guaranteed Death Benefit Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you and your Financial Professional do not agree to these requirements, we will not pay investment advisory fees from this Contract to your Financial Professional’s firm. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You should consult a tax adviser regarding the tax treatment of the payment of investment advisory fees from your Contract since federal and/or state taxing authorities could determine that such fees should be treated as taxable distributions.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum investment advisory fee that we will pay to your Financial Professional’s firm in any Contract Year is 1.5% of Contract Value. Each time we deduct an investment advisory fee we determine its percentage by dividing the fee amount by the Contract Value determined at the end of the Business Day after we process all other transactions. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We will not pay any portion of the investment advisory fee that would exceed 1.5% of Contract Value in any Contract Year.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For example, assume your Financial Professional’s firm requests fee payment twice a year. If the first fee requested is $700 and your Contract Value after processing all other transactions is $100,000, this fee is 0.7%. This leaves a maximum of 0.8% (1.5% - 0.7%) of the Contract Value available for payment of the second fee. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The amount of Contract Value available for deduction of investment advisory fees will be affected by the Daily Adjustment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">(which can be negative).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions we make for investment advisory fees reduce your Contract Value (and therefore Cash Value) by the amount withdrawn on a dollar for dollar basis. This Contract Value reduction also decreases your initial annual maximum Income Payment which is based on Contract Value. As Contract Value is one of the components we use to calculate RMD payments, these deductions may also reduce your RMD payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Because these deductions decrease the Contract Value, they also reduce the likelihood you will receive Income Payment increases under the Level Income payment option which are based on Contract Value increases, or lock in investment gains to Maximum Anniversary Value under the Maximum Anniversary Value Death Benefit. In addition, because the death benefit is the greatest of Contract Value, Cash Value, or the Guaranteed Death Benefit Value, deductions we make for investment advisory fees reduce the death benefit available to your Beneficiaries.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These deductions also reduce the following proportionately by the percentage of Contract Value withdrawn: Charge Base, Index Option Base, Index Option Value, and Variable Account Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you do not complete our service form which authorizes your Financial Professional’s firm to receive investment advisory fees deducted from your Contract, and instead you take money from the Contract and use it to pay investment advisory fees, we will treat this as a withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">This withdrawal is subject to income taxes, may also be subject to a 10% additional federal tax for amounts withdrawn before age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">, will be subject to an MVA, and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">(which can be negative).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">This withdrawal reduces the Contract Value, and the amount available under the free withdrawal privilege by the dollar amount withdrawn. If taken during the Income Period, we will treat the withdrawal as an Excess Withdrawal if it causes total withdrawals during the Income Benefit Year to exceed the annual maximum Income Payment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">It may also reduce your Contract’s Guaranteed Death Benefit Value</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">by more than the amount withdrawn and these reductions could be </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">significant.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> You should consult a tax adviser regarding the tax treatment of investment advisory fee payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Please consult with your Financial Professional to determine the options for paying investment</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">advisory fees regarding advice that is provided to you related to this Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your Financial Professional acts on your behalf, not ours. We are not party to any agreement between you and your Financial Professional, nor are we responsible for your Financial Professional’s actions. We do not verify that deductions for investment advisory fees align with the terms of your agreement with your Financial Professional, but we verify that payments are made in accordance with the authorization service form you submit to us. We do not set your investment advisory fee or receive any part of it. Any deductions for investment advisory fees you pay is in addition to this Contract’s fees and expenses.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not pay sales commissions in connection with sales of the Contract. However, Financial Professionals and their managers may be eligible for various benefits such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with our principal underwriter, Allianz Life Financial Services, LLC. You should ask your Financial Professional about compensation they receive for this Contract. Allianz Life is not an investment adviser, and does not provide investment advice in connection with sales of the Contract. We are not a fiduciary to you, and do not make recommendations or assess suitability.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can submit a written request to our Service Center on a form satisfactory to us to allow your Financial Professional to make Index Option transfers and allocation changes on your behalf. However, we reserve the right to review a Financial Professional’s trading history before allowing him or her to make transfers. If, in our sole discretion, we believe the Financial Professional’s trading history indicates excessive trading, we can deny your request. If we approve it, your Financial Professional is subject to the same trading restrictions that apply to Owners. We can deny or revoke trading authority in our sole discretion.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Advisory Fee Deduction Example</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These calculations show the effects on the Contract Value, Cash Value, and available Guaranteed Death Benefit Value of authorizing your Financial Professional’s firm to receive investment advisory fees deducted from your Contract. These deductions immediately reduce the Contract Value and Cash Value on a dollar for dollar basis, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">but they do not reduce the Guaranteed Death Benefit Value if they meet the requirements stated in this section</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The example assumes we deduct the maximum available investment advisory fee of 1.50% of Contract Value once per year on days that are not Term End Dates and pay it directly to your Financial Professional’s firm. All Contract Value figures reflect the Daily Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:51pt;"> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:164.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.21%;margin-right:1.82%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment Advisory Fee</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal That Is Not</span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">a Taxable Distribution</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:42.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:7.06%;margin-right:7.06%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:7.91%;margin-right:7.91%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cash</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.56%;margin-right:2.56%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value for a Contract with the</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Traditional Death Benefit</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:131.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.28%;margin-right:1.52%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for a Contract with the</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Benefit</span></div> </div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:164.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> fee deduction</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 97,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:131.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:164.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$1,500 fee deduction</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,500</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,500</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $0</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $0</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:164.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> fee deduction</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 99,300</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 96,300</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="vertical-align:Top;width:164.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:42.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:37.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:131.7pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:164.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> fee deduction</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,500</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 97,100</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:164.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$1,507 fee deduction</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,507</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,507</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $0</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $0</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:164.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After fee deduction</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 98,993</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 95,593</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="vertical-align:Top;width:164.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:42.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:37.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:131.7pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:164.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 3</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> fee deduction</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 97,800</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 95,200</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:164.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$1,467 fee deduction</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,467</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,467</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $0</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $0</span></div> </div> </td> </tr> <tr style="height:13pt;"> <td style="padding-top:4pt;vertical-align:Top;width:164.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After fee deduction</span></div> </div> </td> <td style="padding-top:4pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 96,333</span></div> </div> </td> <td style="padding-top:4pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 93,733</span></div> </div> </td> <td style="padding-top:4pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</span></div> </div> </td> <td style="padding-top:4pt;vertical-align:Top;width:131.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit is the greatest of the Contract Value, Cash Value, or the Guaranteed Death Benefit Value. After we deduct the investment advisory fees the death benefit would either be the:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$99,300 Contract Value under the Traditional Death Benefit, or the $105,000 Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the first fee deduction.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$98,993 Contract Value under the Traditional Death Benefit, or the $105,000 Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the second fee deduction.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$96,333 Contract Value under the Traditional Death Benefit, or the $105,000 Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the third fee deduction.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please see section 11, Income Benefit – Excess Withdrawals for an example showing the impact of not authorizing your Financial Professional’s firm to receive investment advisory fees deducted from your Contract, and instead taking an Excess Withdrawal of $1,500 from the Contract to pay investment advisory fees to your Financial Professional.</span></div> <div style="line-height:13.0pt;margin-top:12.5pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:12.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">2.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Ownership, Annuitant, Determining Life, Beneficiary, and Payee</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Owner</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Owner designated at Contract issue has all the rights under the Contract. The Owner may be an individual, or a non-individual (such as a trust or other entity acting as an agent for a natural person). Qualified Contracts and non-individually owned Contracts can only have one Owner. A </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Qualified Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> qualifies for special tax treatment under sections of the Code.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Joint Owner</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Non-Qualified Contract can be owned by up to two individual Owners </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(Joint Owners)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Joint Owners must be spouses within the meaning of federal tax law. We generally require the signature of both Joint Owners on any forms that are submitted to our Service Center.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Annuitant</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant is the individual on whose life we base Annuity Payments. Subject to our approval, you designate an Annuitant when you purchase a Contract. For Qualified Contracts, before the Annuity Date, the Owner must be the Annuitant unless the Contract is owned by a qualified plan or is part of a custodial arrangement. You can change the Annuitant on an individually owned Non-Qualified Contract at any time before the Annuity Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">You cannot change the Annuitant if the Owner is a non-individual</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Subject to our approval, you can add a joint Annuitant on the Annuity Date. For Qualified Contracts, the ability to add a joint Annuitant is subject to any plan requirements associated with the Contract. For individually owned Contracts, if the Annuitant who is not an Owner dies before the Annuity Date, the sole Owner (or younger Joint Owner) automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Designating different persons as Owner(s) and Annuitant(s) can have important impacts on whether a death benefit is paid, and on who receives it as indicated below</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. For more examples, please see the Appendix A to the Statement of Additional Information </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(SAI)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. In order to convert Income Payments to Annuity Payments the Covered Person(s) must be named as the Annuitant(s) as discussed in section 9, The Annuity Phase – When Annuity Payments Begin. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Designating different persons as Covered Person(s) and Annuitant(s) will cause the Income Benefit and Income Payments to end </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">at the maximum permitted Annuity Date. Use care when designating Owner(s), Covered Person(s) and Annuitant(s), and consult your Financial Professional if you have questions</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:12.25pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:494pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">UPON THE DEATH OF A SOLE OWNER</span></div> </div> </td> </tr> <tr style="height:16pt;"> <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:3.64%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Action if the Contract is in the Accumulation Phase</span></div> </div> </div> </td> <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:3.64%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Action if the Contract is in the Annuity Phase</span></div> </div> </div> </td> </tr> <tr style="height:298.75pt;"> <td style="padding-top:2.25pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We pay a death benefit to the Beneficiary unless the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary is the surviving spouse and continues the Contract. </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">The Income Benefit and any Income Payments will also end </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">unless the Beneficiary is both a surviving spouse and either an </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Eligible Person (if Income Payments have not begun) or a </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Covered Person (if Income Payments have begun).</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the deceased Owner was a Determining Life and the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">surviving spouse Beneficiary continues the Contract:</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">we increase the Contract Value to equal the Guaranteed </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Death Benefit Value if greater and available, and the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">death benefit ends,</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">the surviving spouse becomes the new Owner,</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">if Income Payments have not begun the Accumulation </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Phase continues,</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">if Income Payments have begun they can only continue if </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">the surviving spouse is a Covered Person; otherwise the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Income Benefit ends, and</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">upon the surviving spouse’s death, his or her </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Beneficiary(ies) receives the greater of Contract Value or </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Cash Value.</span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the deceased Owner was not a Determining Life, the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Traditional Death Benefit or Maximum Anniversary Value Death </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Benefit are not available and the Beneficiary(ies) receives the </span></div> <div style="margin-right:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">greater of Contract Value or Cash Value.</span></div> </div> </td> <td style="padding-top:2.25pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Beneficiary becomes the Payee. If we are still required to </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">make Annuity Payments under the selected Annuity Option, the </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary also becomes the new Owner.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the deceased was not an Annuitant, Annuity Payments to the </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payee continue. No death benefit is payable.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the deceased was the only surviving Annuitant, Annuity </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments end or continue as follows.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">Annuity Option A or C, payments end when the </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">guaranteed period ends.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">Annuity Option B, F, or G, payments end. If Income </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Payments were converted to Annuity Payments under </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Annuity Option B or F, we will also pay any remaining </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">value to the named Beneficiary(ies).</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">For more information on the Annuity Options, please see </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">section 9.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the deceased was an Annuitant and there is a surviving joint </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Annuitant, Annuity Payments to the Payee continue during the </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">lifetime of the surviving joint Annuitant. No death benefit is </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">payable.</span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• For a Qualified Contract, the Annuity Payments generally must </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">end no later than the end of the year containing the 10</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">anniversary of the Owner's death. However, in certain </span></div> <div style="margin-left:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">situations, payments may need to end earlier.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Determining Life (Lives)</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Determining Life (Lives) are the individuals on whose life we base the Guaranteed Death Benefit Value provided by the Traditional Death Benefit or Maximum Anniversary Value Death Benefit. We establish the Determining Life (Lives) at Contract issue. For an individually owned Contract, the Determining Life (Lives) are the Owner(s). For a non-individually owned Contract, the Determining Life is the Annuitant. After the Issue Date, the Determining Life (Lives) only change if:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">you remove a Joint Owner due to divorce, then we also remove that person as a Determining Life,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">you add or change a Joint Owner, then that person will become a Determining Life if they are the current spouse within the meaning of federal tax law of an existing Owner, or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">you establish a jointly owned Non-Qualified Contract and change ownership to a Trust, then we remove the prior Owner who is not the Annuitant as a Determining Life.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Beneficiary</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Beneficiary is the person(s) or entity you designate to receive any death benefit. You can change the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary dies before you, or you and a Beneficiary die within 120 hours of each other, that Beneficiary’s interest in this Contract ends unless your Beneficiary designation specifies otherwise. If there are no surviving primary Beneficiaries, we pay the death benefit to the contingent Beneficiaries who survive you. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the Owner is a non-individual.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:62pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:4.15pt;">FOR JOINTLY OWNED CONTRACTS:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The sole primary Beneficiary is the surviving Joint Owner regardless of </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">any other named primary Beneficiaries. If both Joint Owners die within 120 hours of each other, we pay the death </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">benefit to the named surviving primary Beneficiaries. If there are no named surviving primary Beneficiaries, we pay </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">the death benefit to the named surviving contingent Beneficiaries, or equally to the estate of the Joint Owners if there </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">are no named surviving contingent Beneficiaries.</span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:1.9pt;">NAMING AN ESTATE AS A BENEFICIARY:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If an estate is the Beneficiary, the estate must be the sole primary </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Beneficiary, unless the Spouse is the sole primary Beneficiary. If the Spouse is the sole primary Beneficiary, then an </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">estate can be a contingent Beneficiary.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Eligible Person(s) and Covered Person(s)</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We determine Eligible Persons on the Issue Date based on the Contract’s ownership and tax qualification status. We use Eligible Person(s) to determine the Income Percentage and Income Percentage Increase, when you will begin receiving Income Percentage Increases, when Income Payments are available to you, and the payment type (single or joint) available to you.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We base Income Payments on the lives of the Covered Person(s). We determine the Covered Person(s) on the Income Benefit Date based on the available Eligible Person(s), their marital status, and the payment type you select. Joint Income Payments are only available if there are two Eligible Persons on the Income Benefit Date who are also spouses within the meaning of federal tax law and they meet the requirements stated here. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Because Income Payments must begin no later than age 100, and are not available until age 50, joint Income Payments are not available if there is more than a 50-year age difference between spouses.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Eligible Person and Covered Person Requirements</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For a single, individual Owner:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You, the Owner, are an Eligible Person.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you and the sole primary Beneficiary are spouses within the meaning of federal tax law, the sole primary Beneficiary is also an Eligible Person and you can select joint Income Payments with both Eligible Persons becoming Covered Persons.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you select single Income Payments only you, the Owner, can be the Covered Person.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Joint Owners:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Both Joint Owners are Eligible Persons.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you select single Income Payments you can designate either Eligible Person to be the Covered Person.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you select joint Income Payments you must designate both Joint Owners to be the Covered Persons.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Contracts owned by a non-individual:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitant is the Eligible Person.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Non-Qualified Contracts, we only allow one Eligible Person and joint Income Payments are not available.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Qualified Contracts, if the Owner is a qualified plan or a custodian and the Annuitant and sole contingent Beneficiary are spouses within the meaning of federal tax law, the sole contingent Beneficiary is also an Eligible Person. However, joint Income Payments are only available if the qualified plan or custodian is also the sole primary Beneficiary. This structure allows the surviving non-Annuitant spouse to continue to receive Income Payments, assuming the surviving non-Annuitant spouse is the beneficiary under the qualified plan or custodial IRA.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you select single Income Payments only the Annuitant can be the Covered Person.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If an Eligible Person or a Covered Person is no longer an Owner, Joint Owner, Annuitant, sole primary Beneficiary, or sole contingent Beneficiary as required above due to death, change in spousal status, an assignment or change of ownership/Beneficiary, we will remove that person from the Contract as an Eligible Person or Covered Person. If an Eligible Person is removed, you cannot designate that person to be a Covered Person. If a Covered Person is removed, that person is no longer a Covered Person. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If we remove all Eligible Persons or Covered Persons from the Contract, the Income Benefit ends.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You can only add or replace an Eligible Person on or before the Income Benefit Date</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If you add or change an Owner, sole primary Beneficiary or sole contingent Beneficiary that person will become an Eligible Person if they are the current spouse within the meaning of federal tax law of an existing Eligible Person and meet the requirements stated in this section. If you add or replace an Eligible Person we will recalculate your Lifetime Income Percentages based on the age of </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the new Eligible Person on the Index Effective Date and Index Anniversaries, if applicable, as stated in section 11, Income Benefit – How the Income Benefit Works. At any given time there cannot be more than two Eligible Persons. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">After the Income Benefit Date, you cannot add, remove, or replace a Covered Person even if you add or change an Owner, or Beneficiary</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Change in Spousal Status of Eligible Persons or Covered Persons</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If at any time joint Eligible Persons or joint Covered Persons are no longer spouses you must send us written notice. If we receive notice on or before the Income Benefit Date, joint Income Payments will not be available to you unless you remarry and add your new spouse as a Joint Owner or sole primary or contingent Beneficiary according to the requirements stated in this section. If we receive notice after the Income Benefit Date, we will remove one former spouse from the Contract as a Covered Person and also as an Owner, Joint Owner, Annuitant and/or Beneficiary.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon notification of divorce, we treat any request to reduce or divide benefits under this Contract as a request for a withdrawal of Contract Value payable to you. However, for tax purposes this is generally treated as a transfer depending on the terms of the divorce decree. We process the withdrawal and remove one spouse from the Contract as an Eligible Person or Covered Person, Owner, Annuitant and/or Beneficiary, according to your instructions or any applicable court order. This withdrawal is subject to any applicable tax or MVA, and may cause Income Payments and the Income Benefit to end prematurely. However, if you do not notify us of the divorce, the Contract continues and upon the death of an Owner, we pay any applicable death benefit to the Beneficiary(ies) and the Contract and the Income Benefit both end.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Payee</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Payee is the person or entity who receives Annuity Payments during the Annuity Phase. The Owner receives tax reporting on those payments. Generally, we require the Payee to be an Owner. However, we may allow you to name a charitable trust, financial institution, qualified plan, or an individual specified in a court order as a Payee subject to our approval. For Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Assignments, Changes of Ownership and Other Transfers of Contract Rights</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can assign your rights under this Contract to someone else during the Accumulation Phase. An assignment may be absolute or limited, and includes changes of ownership, collateral assignments, or any other transfer of specific Contract rights. After an assignment, you may need the consent of the assignee of record to exercise certain Contract rights depending on the type of assignment and the rights assigned.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract cannot be assigned without our consent. You must submit your request to assign the Contract in writing to our Service Center. We will not consent if the assignment would violate or result in noncompliance with any applicable state or federal law or regulation.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We record the assignment as of the date you signed the request, unless you specify otherwise. We are not responsible for the validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. Assigning the Contract does not change, revoke or replace the originally named Annuitant or Beneficiary; if you also want to change the Annuitant or Beneficiary, you must make a separate request.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:38pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">An assignment may be a taxable event</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. In addition, there are other restrictions on changing the ownership of a </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Qualified Contract and Qualified Contracts generally cannot be assigned absolutely or on a limited basis. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">You should </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">consult with your tax adviser before assigning this Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">An assignment will only change the Determining Life (Lives) if it involves removing a Joint Owner due to </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">divorce, replacing Joint Owners with a Trust, or adding a Joint Owner if that person is a spouse within the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">meaning of federal tax law of the existing Owner.</span></div> </div> </td> </tr> </table> <div style="line-height:13.0pt;margin-top:16pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:16.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">3.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Purchasing the Contract</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Purchase Requirements</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">To purchase this Contract, on the Issue Date, all Owners (or the Annuitant if the Owner is a non-individual) must be:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">age 80 or younger, or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">age 75 or younger if you select the Maximum Anniversary Value Death Benefit.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Purchase Payment requirements for this Contract are as follows.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The minimum initial Purchase Payment due on the Issue Date is $5,000.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We restrict additional Purchase Payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Each Index Year during the Accumulation Phase and before the Income Benefit Date, you cannot add more than your initial amount without our prior approval. Your initial amount is the total of all Purchase Payments received before the first Quarterly Contract Anniversary of the first Contract Year. We allow you to add up to the initial amount in the remainder of the first Index Year. The minimum additional Purchase Payment we will accept is $50.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not accept additional Purchase Payments on or after the Income Benefit Date, or on or after the Annuity Date.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum total Purchase Payments we accept without our prior approval is $3 million.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may, at our sole discretion, waive the minimum Purchase Payment requirements.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Once we receive your initial Purchase Payment and all necessary information in Good Order at our Service Center, we issue the Contract within two Business Days. If the Issue Date is the same as the Index Effective Date, we allocate your initial Purchase Payment to the Index Options. If the Issue Date is not the Index Effective Date, we hold your initial Purchase Payment in the Variable Option before we transfer it to your selected Index Options. If you do not give us all the information we need, we contact you or your Financial Professional. If for some reason we are unable to complete this process within five Business Days, we either send back your Purchase Payment or get your permission to keep it until we get all the necessary information. If you make additional Purchase Payments, we add this money to your Contract on the Business Day we receive it in Good Order.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you submit a Purchase Payment and/or application to your Financial Professional, we do not begin processing the payment and/or application until we receive it.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We may terminate your ability to make additional Purchase Payments because we reserve the right to decline any or all Purchase Payments at any time on a nondiscriminatory basis</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. This applies to Contracts issued in all states except as disclosed in Appendix G. If mandated under applicable law, we may be required to reject a Purchase Payment. We will decline a Purchase Payment we receive on the same Business Day that we receive in Good Order a request for full withdrawal, or Contract cancellation during the free look period. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If we exercise our right to decline additional Purchase Payments, this may limit your ability to fund your Contract’s guaranteed benefits such as the Income Benefit, Traditional Death Benefit or Maximum Anniversary Value Death Benefit.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Applications Sent Electronically</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We accept manually signed applications that are in Good Order and are sent by fax, or email, or uploaded to our website. It is important to verify receipt of any faxed application, or to receive a confirmation number when using email or the web. We are not liable for applications that we do not receive. A manually signed application sent by fax, email or over the web is considered the same as an application delivered by mail. Our electronic systems (fax, email or website) may not always be available; any electronic system can experience outages or slowdowns which may delay application processing. Although we have taken precautions to help our system handle heavy use, we cannot promise complete reliability. If you experience problems, please submit your written application by mail to our Service Center. We reserve the right to discontinue or modify our electronic application policy at any time and for any reason.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Allocation of Purchase Payments and Contract Value Transfers</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The allocation instructions you provide on your application automatically become your default allocation instructions. We use these allocation instructions for all Purchase Payments we receive unless you change them. Any change to allocation instructions will replace any existing allocation instructions and will be used as the basis for transfers between and among the Index Options.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">We only allow Purchase Payments to move into the Index Options on the Index Effective Date and on subsequent Index Anniversaries.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> As a result, we hold Purchase Payments in the Variable Option when we receive them on days other than the Index Effective Date or Index Anniversaries. We then transfer them to the Index Options on the next Index Anniversary according to your allocation instructions. We apply any Purchase Payments we receive on the Index Effective Date or on an Index Anniversary directly to the Index Options on that day; these Purchase Payments are not held in the Variable Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">We only allow Index Option Value transfers between Index Options on Term End Dates. However, you can transfer between Index Options before the Term End Date by executing a Performance Lock and an Early Reallocation. For multi-year Term Index Options you can also transfer between Index Options before the Term End Date by executing a </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Performance Lock before the last year of the Term and changing your allocation instructions before the next Index Anniversary. We do not allow assets to move into an established Index Option until the Term End Date. If you request to transfer into an established Index Option on a date that is not a Term End Date, we will transfer those assets into the same Index Option with a new Term Start Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You select the Index Effective Date when you purchase your Contract. It can be any Business Day up to and including the first Quarterly Contract Anniversary, but it cannot be the 29</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of a month.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:145.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">On your application if you select…</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:348.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Your Index Effective Date will be either…</span></div> </div> </td> </tr> <tr style="height:39pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:145.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the earliest Index Effective Date</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:348.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• your Issue Date, or</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• the first Business Day of the next month if the Issue Date is the 29</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, 30</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, or 31</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> of a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">month</span></div> </div> </td> </tr> <tr style="height:49.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:145.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the deferred Index Effective Date</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:348.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• your first Quarterly Contract Anniversary, or</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• the next Business Day if the first Quarterly Contract Anniversary occurs on a non-Business </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Day, or the first Business Day of the next month if the first Quarterly Contract Anniversary </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">is the 29</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, 30</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, or 31</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> of a month</span></div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> and cannot be superseded until that period ends. If you select an Index Effective Date that is within the guaranteed period for the initial rates that are available for review on the date you signed your application, you will receive the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after this guaranteed period, you are subject to the risk that initial Trigger Rates, Caps, and Participation Rates may change and be less advantageous to you. Furthermore, if your Index Effective Date is after the end of the free look period and you cancel your Contract, you will receive the Cash Value. On or before the Index Effective Date, the Daily Adjustment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">and MVA </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> apply.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You may review future rates at least seven calendar days before their effectiveness at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">. Subject to the limitations related to designating the Index Effective Date, you (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">However, your new Index Effective Date cannot be later than the deferred Index Effective Date listed above. We must receive your request in Good Order at our Service Center before the end of the Business Day on which you want the Index Effective Date to occur. Once your Index Effective Date occurs, all Index Options for your Contract will have the same Index Anniversary.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can change your allocation instructions at any time without fee or penalty. These changes are effective on the Business Day we receive them in Good Order at our Service Center. We accept changes to allocation instructions from any Owner unless you instruct otherwise. We may allow you to authorize someone else to change these allocation instructions on your behalf. However, we must receive allocation instruction changes (which will transfer your Index Option Values) in Good Order at our Service Center before the end of the Business Day on the Term End Date (or the next Business Day if the Term End Date is a non-Business Day). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Changes to your allocation instructions will transfer existing Index Option Values on the Term End Date</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We notify you at least 30 days in advance of each Index Anniversary as a reminder that on the upcoming anniversary you may transfer Index Option Value between Index Options. In order to make a transfer between Index Options, you must provide us with allocation instruction changes in Good Order. On each Term End Date, if we have not received allocation instruction changes from you, all assets invested continue to be invested in the same Index Options with new Term Start Dates at the renewal Trigger Rates, Caps, and Participation Rates.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We can add new Crediting Methods, Terms, and Indexes to your Contract in the future, and you can allocate Purchase Payments or transfer Contract Value to them on the Term Start Date after we make them available to you. Once we add a Crediting Method to your Contract we cannot remove it, or change how it calculates Performance Credits. If we add a new Index Option to your Contract, we cannot change its Buffer or Floor after it is established. For a new Index Option, the minimum Buffer is 5% and the minimum Floor is -25%. However, we can change the renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates associated with any Index Option on each Term Start Date subject to the guaranteed minimums.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:38pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.15pt;">In order to apply Purchase Payments we receive </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">after</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the Index Effective Date to your selected Index Option(s) on </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">the next Index Anniversary, we must receive them </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">before</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the end of the Business Day on the Index Anniversary (or </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">before the end of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">prior</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Business Day if the anniversary is a non-Business Day).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:1.9pt;">Purchase Payments we hold in the Variable Option before transferring them to your selected Index Options are </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">subject to Contract fees and expenses (e.g. product fee, contract maintenance charge), and market risk and may </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">lose value.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Electronic Allocation Instructions</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We use reasonable procedures to confirm that electronic allocation instructions given to us are genuine. If we do not use such procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We record telephone instructions and log all fax, email and website instructions. We reserve the right to deny any allocation instruction change, and to discontinue or modify our electronic instruction privileges at any time for any reason.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please note that telephone, fax, email and/or the website may not always be available. Any electronic system, whether it is ours, yours, your service provider’s, or your Financial Professional’s, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our processing of your allocation instruction change. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability. If you are experiencing problems, you should submit your instructions in writing to our Service Center.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">By authorizing electronic instructions, you authorize us to accept and act upon these instructions for your Contract. There are risks associated with electronic communications that do not occur with a written request. Anyone authorizing or making such requests bears those risks. You should protect your website password, because the website is available to anyone with your password; we cannot verify that the person providing instructions on the website is you, or is authorized by you.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Free Look/Right To Examine Period</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you change your mind about the Contract, you can cancel it within the free look period stated on the first page of your Contract. In most states, this is ten calendar days after you receive the Contract. If you cancel your Contract during the free look period, in most states we return your Contract Value as of the Business Day we receive your cancellation request in Good Order. This may be more or less than your initial Purchase Payment. In states that require us to return Purchase Payments less withdrawals if you cancel your Contract, we return Contract Value if greater.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">IRA Contracts require us to return Purchase Payments less withdrawals. If you cancel your IRA Contract, we return the greater of Purchase Payments less withdrawals or Contract Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If your cancellation request occurs after the Index Effective Date, your Contract Value will include the Daily Adjustment, which may be negative for amounts allocated to the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy Index Options.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Some states and certain IRA Contracts require return of Purchase Payments. For these Contracts, we reserve the right to hold your initial Purchase Payment in the Variable Option until the free look period ends, and then re-allocate your Contract Value, less fees and expenses, according to your allocation instructions. If we exercise this right, the Contract Value we use to determine your refund amount on a cancellation request will not include the Daily Adjustment as the Index Effective Date will not yet have occurred. Currently, we only exercise this right on certain Contracts issued in California as noted in Appendix G. If we hold your initial Purchase Payment in the Variable Option during the free look period and the requested Index Effective Date would occur during this time, we change your Index Effective Date to the next Business Day after the free look period that is not the 29</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 30</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, or 31</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of the month. Then, if you:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">cancel your Contract during this time, we return the greater of Purchase Payments less withdrawals and less any investment advisory fees deducted from your Contract if you authorize your Financial Professional’s firm to receive these fees, or Contract Value. We do not apply an MVA or deduct any other Contract fees or expenses if you cancel your Contract during the free look period.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">do not cancel your Contract during this time, we re-allocate your Contract Value to the Index Options according to your allocation instructions on the Index Effective Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In the Contract, the free look provision is also called the right to examine.</span></div> <div style="line-height:13.0pt;margin-top:12pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:0pt;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">4.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Index Options</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Overview of the Index Options</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We apply positive, zero, or negative Performance Credits at the end of a Term to amounts allocated to an Index Option based, in part, on the performance of the applicable Index. An investment in an Index Option is not an investment in the Index or in any Index fund.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Some Index Options provide complete protection against negative Index Returns at the end of a Term. Other Index Options provide limited protection against negative Index Returns at the end of a Term through a Buffer or Floor. Despite the Buffer or Floor, you could lose a significant amount of money if the Index for such other Index Options declines in value. You may also lose a significant amount of money due to a negative Daily Adjustment if amounts are removed from such other Index Options prior to the end of a Term.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract currently offers Index Options with different types of Crediting Methods, including the Index Protection Strategy with Trigger, Index Protection Strategy with Cap, Index Precision Strategy, Index Dual Precision Strategy, Index Guard Strategy, and Index Performance Strategy. We can add new Index Options to your Contract in the future. We can change certain features of an Index Option from one Term to the next, including the Index and the current limit on Index gains (subject to minimum guarantees). We cannot change an existing Index Option’s limit on Index losses (including a Buffer or Floor) or how it calculates Performance Credits. We reserve the right to close any Index Option to new Purchase Payments and transfers, but not for renewal upon maturity.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract allows you to transfer between Index Options on Term End Dates. Additionally, you can transfer between Index Options before the Term End Date by executing a Performance Lock and an Early Reallocation. For multi-year Term Index Options, you can also transfer between Index Options before the Term End Date by executing a Performance Lock before the last year of the Term and changing your allocation instructions before the next Index Anniversary. For more information, see section 3, Purchasing the Contract – Allocation of Purchase Payments and Contract Value Transfers.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Information regarding the features of each currently offered Index Option, including (i) the Index’s name, (ii) a brief statement describing the assets that the Index seeks to track (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, U.S. large-cap equities), (iii) the Term length, (iv) the Index Option’s Crediting Methodology, (v) the current limit on Index loss, and (vi) the minimum limit on Index gain, is available in Appendix A – Investment Options Available Under the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Limits on Index Losses</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option offers a certain level of protection from negative Index Returns, which limits the amount of negative Index Return used in calculating Performance Credits for an Index Option at the end of a Term.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Protection Strategy with Trigger and Index Protection Strategy with Cap Index Options offer complete (or 100%) protection from negative Index Returns. For example, if at the end of a Term, the Index Return is -25%, we will apply a 0% Performance Credit to your investment (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, no loss due to the negative Index Return).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Other Index Options include a feature, either a Buffer or Floor, that provides limited protection from negative Index Returns.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Buffer is the maximum amount of negative Index Return that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">we</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> absorb before applying a negative Performance Credit. For example, if at the end of a Term, the Index Return is -25% and the Buffer is 10%, we apply a Performance Credit of -15%, meaning your Contract Value allocated to that Index Option will decrease by 15% since the Term Start Date. This reflects the negative Index Return that exceeds the protection of the 10% Buffer. The Index Precision Strategy, Index Dual Precision Strategy, and Index Performance Strategy offer Index Options with Buffers.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Floor, on the other hand, is the maximum amount of negative Index Return </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">you</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> absorb as a negative Performance Credit. We absorb any negative Index Return beyond the Floor. For example, if the Index Return is -25% and the Floor is -10%, we apply a Performance Credit of -10%, meaning your Contract Value allocated to that Index Option will decrease by 10% since the Term Start Date. This reflects the negative Index Return down to the -10% Floor. The Index Guard Strategy offers Index Options with a Floor.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We currently offer Index Options with 10%, 20%, and 30% Buffers, and -10% Floors.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current limit on Index loss for an Index Option will not change for the life of that Index Option. However, we reserve the right to add new Index Options, as well as close Index Options to new Purchase Payments and transfers. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option or </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">discontinue accepting new allocations into an Index Option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">However, at least one Index Option with a Buffer no lower than 5% or Floor no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">25%, or an Index Option that provides complete protection from Index losses, will always be available for renewal under the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Prior to selecting an Index Option, you should evaluate the protection from negative Index Returns offered by an Index Option. See “Comparing Crediting Methods” later in this section for additional factors that you should consider when comparing Index Options. Also, see “How We Set Limits on Index Gains and Losses” below for a description of the factors that we consider when setting rates for the Index Options.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For detailed information on how we calculate Index Option Values and Performance Credits, see “Determining Index Option Values” and “Calculating Performance Credits” in section 6, Valuing Your Contract later in this prospectus.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Limits on Index Gains</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option also has an upside feature, either a Trigger Rate, Cap, and/or Participation Rate, used in the calculation of positive Performance Credits, if any, that may be credited to your investment at the end of a Term. We may limit the amount you can earn on an Index Option based on the Trigger Rate, Cap, or Participation Rate, as applicable.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Trigger Rate represents the positive Performance Credit, if any, that may apply on the Term End Date. The Index Precision Strategy, Index Dual Precision Strategy, and Index Protection Strategy with Trigger offer Index Options with a Trigger Rate.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Precision Strategy and Index Protection Strategy with Trigger, the Trigger Rate will apply if the Index Return is positive or zero. For example, if at the end of a Term, the Index Return is 6% and the Trigger Rate is 3%, we apply a Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Dual Precision Strategy, the Trigger Rate will apply if the Index Return is positive, zero, or to a limited extent, negative. For example, assume a Trigger Rate of 3% and a Buffer of 10%. If at the end of a Term, the Index Return is positive, zero, or negative but no lower than -10% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, not in excess of the Buffer), we apply a positive Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date. However, if the negative Index Return were lower than -10% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, in excess of the Buffer), we apply a negative Performance Credit equal to the negative Index Return plus the Buffer.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Cap represents the maximum positive Performance Credit, if any, applied on a Term End Date. For example, if at the end of a Term, the Index Return is 12% and the Cap is 10%, we apply a Performance Credit of 10%, meaning your Contract Value allocated to that Index Option will increase by 10% since the Term Start Date. The Index Protection Strategy with Cap, Index Guard Strategy, and Index Performance Strategy offer Index Options with a Cap. Index Performance Strategy multi-year Term Index Options have both a Cap and a Participation Rate (as described below).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Participation Rate is the percentage that is multiplied by a positive Index Return in calculating a positive Performance Credit, if any, subject to any applicable Cap. For example, if at the end of a Term, the Participation Rate is 100%, the Cap is 15%, and the Index Return is 12% (which is lower than the Cap), we apply a Performance Credit of 12% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 100% x 12%). However, if the Index Return were instead 20% (which is higher than the Cap), we would apply the Cap and a Performance Credit of 15%. Index Performance Strategy multi-year Term Index Options have both a Cap and a Participation Rate.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Trigger Rate, Cap, and/or Participation Rate for an Index Option will change from Term to Term, subject to a specified guaranteed minimum that will not change for the life of that Index Option. Guaranteed minimum Trigger Rates, Caps, and/or Participation Rates vary by Index Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The lowest Trigger Rate, Cap, and Participation Rate that we may establish if we add a new Index Option to the Contract are 0.05%, 0.05%, and 5.00%, respectively.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current Trigger Rates, Caps, and Participation Rates being offered for new Terms of the available Index Options can be located at the following publicly accessible website: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The Trigger Rates, Caps, and Participation Rates posted on that website address are incorporated by reference into this prospectus.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Prior to selecting an Index Option, you should evaluate the Trigger Rates, Caps, and Participation Rates that we are offering. See “Comparing Crediting Methods” later in this section for additional factors that you should consider when comparing Index Options. Also, see “How We Set Limits on Index Gains and Losses” below for a description of the factors that we consider when setting rates for the Index Options.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For detailed information on how we calculate Index Option Values and Performance Credits, see “Determining Index Option Values” and “Calculating Performance Credits” in section 6, Valuing Your Contract later in this prospectus.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">How We Set Limits on Index Gains and Losses</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We set Trigger Rates, Caps, and Participation Rates in our discretion, subject to applicable guaranteed minimums. The rates applicable to new terms may differ for initial Terms, renewal Terms, and Early Reallocations. When setting these limits on Index gains, we consider a variety of factors, including, but not limited to:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Term length,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">level of downside protection,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">market volatility,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our hedging strategies and investment performance,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the availability of hedging instruments,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the amount of money available to us through Contract fees and expenses to purchase hedging instruments,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">expenses incurred by the Company,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">your Index Effective Date,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the level of interest rates,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">utilization of Contract benefits by Owners, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">our profitability goals.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We also set the limits on Index losses for new Index Options (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, Buffers and Floors) in our discretion, but the Buffer or Floor will be no lower than 5% or -25%, respectively. When setting limits on Index losses, we consider many of the factors listed above, as well as the fact that an Index Option’s limit on Index loss will not change for the life of the Index Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Due to a combination of factors, including potential changes in interest rates and other market conditions (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> rising inflation), the current economic environment is evolving. The future impact on the rates we declare cannot be predicted with certainty. The effect of a change in interest rates or other market conditions may not be direct or immediate. There may be a lag in changes to Trigger Rates, Caps, and Participation Rates. Interest rates could increase. In a rising interest rate environment, increases in initial Trigger Rates, Caps, and Participation Rates, if any, may be substantially slower than increases in interest rates. However, a rising interest rate environment may have the opposite effect on renewal rates and cause renewal Trigger Rates, Caps, and Participation Rates to decrease.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We manage our obligation to provide Performance Credits in part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates to reflect these cost changes. The primary factor affecting the differences in the initial Trigger Rates, Caps, and Participation Rates for newly issued Contracts and renewal and Early Reallocation rates for existing Contracts is the difference in what we can earn from these investments for newly issued Contracts versus what we are earning on the investments that were made for existing Contracts. In some instances, we may need to reduce initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates, or we may need to substitute an Index. You bear the risk that we may reduce Trigger Rates, Caps, and Participation Rates, which reduces your opportunity to receive positive Performance Credits.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Terms</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We currently offer Index Options with 1-year, 3-year, and 6-year Terms. Not all Term lengths are available for all types of Crediting Methods. Each Crediting Method offers 1-year Terms. The Index Dual Precision Strategy and Index Performance Strategy also offer 3-year and 6-year Terms.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Prior to selecting an Index Option, you should evaluate the various Term lengths. You should consider which Term lengths may be appropriate for you based on your liquidity needs, investment time horizon, and financial goals. Investing in Index Options with shorter Terms will provide more opportunities for Performance Credits and transferring Contract Value; however, assuming the same Index and limit on Index loss, Index Options with shorter Terms generally tend to have less potential for Index gains. Conversely, investing in Index Options with longer Terms will provide fewer opportunities for Performance Credits and transferring Contract Value; however, assuming the same Index and limit on Index loss, Index Options with longer Terms generally tend to have more potential for gain. Some of the other factors to consider include:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">How long you intend to hold the Contract.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment for Index Options with Term lengths of more than 1-year (including multi-year Terms or extended Term lengths resulting from Early Reallocation) may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The risk of a negative Daily Adjustment is generally greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options due to the Term length.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Performance Strategy 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate equal to 100%.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For shorter Term lengths, there is more certainty in both the final Index Values and how Trigger Rates, Caps, Buffers, and Floors determine Performance Credits. This means there may be less fluctuation in the Daily Adjustment due to changes in Index return for Index Options with shorter Term lengths.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amounts must remain in an Index Option until the end of its Term to receive a Performance Credit and to avoid a possible negative Daily Adjustment, potential negative MVA, and any applicable tax consequences.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The Daily Adjustment applies to full or partial withdrawals taken from an Index Option before the end of a Term. The Daily Adjustment also applies if, before the Term End Date, you take Income Payments, you execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct Contract fees, expenses, or investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract. A negative MVA applies if, within seven Index Years of the establishment of an Annual Contribution Amount, you take a full or partial withdrawal, you take Income Payments, you execute a Performance Lock, you annuitize the Contract, or we pay a death benefit at a time when the yield on corporate bonds is greater than what they were when the Annual Contribution Amount was established. We do not apply an MVA to deductions for Contract fees and expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. For more information, see “Daily Adjustment” and “Market Value Adjustment (MVA)” in section 7, Expenses and Adjustments.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Maturity</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that current Trigger Rates, Caps, and Participation Rates are expiring, and that renewal rates for the next Term Start Date will be available for your review. The Index Anniversary letter also reminds you of your opportunity to transfer your Index Option Values on the upcoming Term End Date. Renewal rates could be higher or lower than your current Trigger Rates, Caps, and Participation Rates, subject to the guaranteed minimums. On each Term End Date, you have the option of remaining allocated to your current Index Options at the renewal Trigger Rates, Caps, and Participation Rates that we set on the next Term Start Date, or transferring to another permitted Index Option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At least seven calendar days before each Index Anniversary, we publish renewal rates for the next Term Start Date for your review in your account on our website, and on our public website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.allianzlife.com/RILAincomeadvrates</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. If you do not review renewal rate change information when it is published or take no action to transfer to another permitted Index Option, you will remain allocated to your current Index Options and will automatically become subject to the renewal Trigger Rates, Caps, and Participation Rates until the next Term End Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For more information regarding your availability to transfer into new Index Options, see section 3, Purchasing the Contract – Allocation of Purchase Payments and Contract Value Transfers.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Indexes</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract currently offers Index Options using the following Indexes. For more information on the Indexes, please see Appendix B – Available Indexes. Please note that Index Values used to calculate Performance Credits are based on the Index’s closing value (for an Index that is a market index) or closing share price (for an Index that is an ETF).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index, and EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> are all “price return indexes,” not “total return indexes,” and therefore do not reflect dividends paid on the securities composing the Index. This will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. For the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, this Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Because Index performance for the iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> MSCI Emerging Markets ETF is based on the ETF’s closing share price, Index performance is calculated on a “price return” basis, not a “total return” basis, and therefore does not reflect dividends </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">paid on the securities in which the ETF invests. In addition, an ETF deducts fees and costs, which reduce Index performance. These factors will reduce the Index 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 style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Index</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index is comprised of equity securities issued by large-capitalization U.S. companies.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Index</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index is comprised of equity securities of small-capitalization U.S. companies.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> Index</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market, including companies across all major industry groups except the financial industry.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> is comprised of the equity securities of large-capitalization companies in the Eurozone.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> MSCI Emerging Markets ETF</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. The iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> MSCI Emerging Markets ETF seeks to track the investment results of the MSCI Emerging Markets Index, which is designed to measure equity market performance in the global emerging markets. The underlying index may include large-and mid-capitalization companies. iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> MSCI Emerging Markets ETF is an exchange-traded fund. Additional information about iShares</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> MSCI Emerging Markets ETF is available on the SEC’s website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">https://www.sec.gov</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and copies of that information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov. Please note that this information is not prepared by us and may be intended for shareholders of the ETF. You will not be a shareholder of the ETF by investing in an Index Option that is linked to the performance of the ETF. You may also request additional information about the ETF from our Service Center or your Financial Professional.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Substitutions and Additions</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may substitute a new Index for an existing Index if:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Index is discontinued,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">we are unable to use the Index because, for example, changes to an Index make it impractical or expensive to purchase derivative hedging instruments to hedge the Index, or we are not licensed to use the Index,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the method of calculation of the Index Values changes substantially, resulting in significantly different Index Values and performance results. This could occur, for example, if an Index altered the types of securities tracked, or the weighting of different categories of securities, or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">we determine in our sole discretion that the substitution is necessary due to unanticipated events outside of our direct control. This might include other events similar to those listed above, other changes to the Index (such as name or ownership changes) that legally may be considered a substitution, or a breach by the Index provider of the Index intent or performance expectations.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If we add or substitute an Index, we first seek any required regulatory approval from each applicable state insurance regulator and then provide you with written notice. We also provide you with written notice if an Index changes its name. Index substitutions can occur either on a Term Start Date or during a Term. If we substitute an Index during a Term, we will combine the return of the previously available substituted Index from the Term Start Date to the substitution date with the return of the new Index from the substitution date to the Term End Date. If we substitute an Index during a Term:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> change the Charge Base we use to calculate the product and rider fees, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Buffers, Floors, Trigger Rates, Caps, and Participation Rates for the substituted Index will apply to the new Index. We do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> change the Buffers, Floors, Trigger Rates, Caps, or Participation Rates that were in effect on the Term Start Date.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Similarly, if we substitute an Index on a Term Start Date, the applicable Buffer, Floor, and minimum Trigger Rate, Cap, or Participation Rate will not change.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Changes to Trigger Rates, Caps, and Participation Rates associated with the new Index, if any, may occur at the next regularly scheduled Term Start Date, subject to their respective minimums.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The selection of a substitution Index is in our discretion; however, it is anticipated that any substitute Index will be substantially similar to the Index it is replacing and we will substitute any equity Index with a broad-based equity index. In the event a suitable replacement Index is not available, after seeking any required regulatory approval, we will provide you written notice and information regarding the remaining available Index Options.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We may also close Index Options to new Purchase Payments and transfers at any time. </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Historical Returns</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The bar charts shown below provide each Index’s annual returns for the last 10 calendar years, as well 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 year and show how hypothetical limits on Index gains and losses may affect these returns. Past performance is not necessarily an indication of future performance.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The performance below is NOT the performance of any Index Option. Your performance under the Contract will differ, perhaps significantly. The performance below may reflect a different return calculation, time period, and limit on Index gains and losses than the Index Options, and does not reflect Contract fees and expenses, including the MVA and Daily Adjustment, which may reduce performance.</span></div><img alt=" " src="sp500.jpg" style="height:257pt;width:494pt;"/> <div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">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, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="nas1000.jpg" style="height:257pt;width:494pt;"/> <div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">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, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="russ2000.jpg" style="height:257pt;width:494pt;"/> <div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">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, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="eurostoxx50.jpg" style="height:257pt;width:494pt;"/> <div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">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, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. This Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span></div><img alt=" " src="msci_emm.jpg" style="height:257pt;width:494pt;"/> <div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is an ETF. Index Values are based on the ETF’s closing share price. Index performance is calculated on a “price return” basis, not a “total return” basis, and therefore does not reflect the dividends paid on the securities in which the ETF invests. In addition, an ETF deducts fees and costs, which reduce Index performance. These factors will reduce the Index Return and may cause the Index to underperform a direct investment in the ETF or the securities in which the ETF invests.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">How the Crediting Methods Work</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Protection Strategy with Trigger</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides a Performance Credit using the “point-to-point with step-up” method of calculation. You receive a Performance Credit equal to the Trigger Rate if the Index Value on the Term End Date is equal to or greater than the Index Value on the Term Start Date, regardless of the amount of actual Index Return. If the current Index Value is less than it was on the Term Start Date, the Performance Credit is zero.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Protection Strategy with Cap</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides a Performance Credit using the “point-to-point with Cap” method of calculation.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is positive, the Performance Credit is equal to the Index Return up to the Cap.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Value on the Term End Date is equal to or less than the Index Value on the Term Start Date, the Performance Credit is zero.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Dual Precision Strategy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides a Performance Credit using the “point-to-point with step-up” method of calculation.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You receive a Performance Credit equal to the Trigger Rate if the Index Value on the Term End Date is:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">equal to or greater than the Index Value on the Term Start Date, regardless of the amount of actual Index Return, or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">less than the Index Value on the Term Start Date and the loss is less than or equal to the 10%, 20%, or 30% Buffer.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We apply the Trigger Rate for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> apply the Trigger Rate annually on a 3-year or 6-year Term Index Option.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is negative and extends beyond the 10%, 20%, or 30% Buffer, the negative Performance Credit is equal to the negative Index Return plus the 10%, 20%, or 30% Buffer. You participate in any losses in excess of the 10%, 20%, or 30% Buffer.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Precision Strategy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides a Performance Credit using the “point-to-point with step-up” method of calculation.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Value on the Term End Date is equal to or greater than the Index Value on the Term Start Date, regardless of the amount of actual Index Return, the Performance Credit is equal to the Trigger Rate.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is negative and the loss:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is less than or equal to the 10% Buffer, the Performance Credit is zero. We absorb any loss up to the 10% Buffer.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">extends beyond the 10% Buffer, the negative Performance Credit is equal to the negative Index Return plus the 10% Buffer. You participate in any losses in excess of the 10% Buffer.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Guard Strategy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides a Performance Credit using the “point-to-point with Cap” method of calculation.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is positive, the Performance Credit is equal to the Index Return up to the Cap.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Value on the Term End Date is equal to the Index Value on the Term Start Date, the Performance Credit is zero.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is negative, the negative Performance Credit is equal to the negative Index Return down to the -10% Floor. You participate in any losses down to the -10% Floor. We absorb any negative Index Return beyond the -10% Floor.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Index Performance Strategy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides a Performance Credit. The 1-year Term Index Options use the “point-to-point with Cap” method of calculation. The 3-year and 6-year Term Index Options use the “point-to-point with Cap and enhanced upside” method of calculation.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is positive, the Performance Credit is equal to:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Index Return up to the Cap for a 1-year Term. If the 1-year Term is uncapped, the Performance Credit is equal to the Index Return.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Index Return multiplied by the Participation Rate, up to the Cap for a 3-year or 6-year Term. If the 3-year or 6-year Term is uncapped, the Performance Credit is equal to the Index Return multiplied by the Participation Rate. We apply the Participation Rate and Cap for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> apply the Participation Rate and Cap annually on a 3-year or 6-year Term.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Value on the Term End Date is equal to the Index Value on the Term Start Date, the Performance Credit is zero.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Return is negative and the loss:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is less than or equal to the 10%, 20%, or 30% Buffer, the Performance Credit is zero. We absorb any loss up to the 10%, 20%, or 30% Buffer. We apply the Buffer for the entire Term length; we do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> apply the Buffer annually on a 3-year or 6-year Term Index Option.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">extends beyond the 10%, 20%, or 30% Buffer, the negative Performance Credit is equal to the negative Index Return plus the 10%, 20%, or 30% Buffer. You participate in any losses in excess of the 10%, 20%, or 30% Buffer.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:62pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">The Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, and Index Performance </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">Strategy allow negative Performance Credits. As a result, you could lose a significant amount of money in the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">form of negative Performance Credits if an Index declines in value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">The maximum potential negative </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Performance Credit is: -90% with a 10% Buffer; -80% with a 20% Buffer; -70% with a 30% Buffer; and -10% </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">with the Floor.</span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Because we calculate Index Returns only on a single date in time, you may experience negative or flat </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">performance even though the Index you selected for a given Crediting Method experienced gains through </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">some, or most, of the Term.</span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">If </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">an Index Performance Strategy Index Option is “uncapped” for one Term (i.e., we do not declare a Cap for </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">that Term) it does not mean that we will not declare a Cap for it on future Term Start Dates.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> On the next Term </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Start Date we can declare a Cap for the next Term, or declare it to be uncapped.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Comparing Crediting Methods</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Crediting Methods have different risk and return potentials.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the asset protection?</span></div> </div> </td> </tr> <tr style="height:38pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Most protection.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the Index loses value, the Performance Credit is zero. You do not receive a negative Performance </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Credit.</span></div> </div> </td> </tr> <tr style="height:38pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Cap</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Most protection.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If the Index loses value, the Performance Credit is zero. You do not receive a negative Performance </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Credit.</span></div> </div> </td> </tr> <tr style="height:170pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Less protection than the Index Protection Strategy with Trigger, Index Protection Strategy with Cap, </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and Index Guard Strategy. Protection on the Index Dual Precision Strategy 1-year Term is equal to or </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">greater than what is available with the Index Precision Strategy depending on the Index Option. Offers </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the same protection levels as the Index Performance Strategy.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Buffer absorbs 10%, 20%, or 30% of loss, but you receive a negative Performance Credit for losses </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">greater than the Buffer.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Potential for large losses in any Term.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• More sensitive to large negative market movements because small or moderate negative market </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">movements within the applicable 10%, 20%, or 30% Buffer result in a positive Performance Credit. In </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a period of extreme negative market performance, the risk of loss is greater with the Index Dual </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy than with the Index Guard Strategy.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• In extended periods of moderate to large negative market performance, 3-year and 6-year Terms may </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">provide less protection than the 1-year Terms because, in part, the Buffer is applied over a longer </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">period of time.</span></div> </div> </td> </tr> <tr style="height:109pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Less protection than the Index Protection Strategy with Trigger, Index Protection Strategy with Cap, </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and Index Guard Strategy. Protection may be equal to or less than what is available with the Index </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Dual Precision Strategy and Index Performance Strategy depending on the Index Option.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Buffer absorbs 10% of loss, but you receive a negative Performance Credit for losses greater than </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">10%.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Potential for large losses in any Term.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• More sensitive to large negative market movements because small negative market movements are </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">absorbed by the 10% Buffer. In a period of extreme negative market performance, the risk of loss is </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">greater with the Index Precision Strategy than with the Index Guard Strategy.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the asset protection?</span></div> </div> </td> </tr> <tr style="height:134pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Less protection than the Index Protection Strategy with Trigger and Index Protection Strategy with </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Cap, but more than Index Dual Precision Strategy, Index Precision Strategy, and Index Performance </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Permits a negative Performance Credit down to the -10% Floor.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Protection from significant losses.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• More sensitive to smaller negative market movements that persist over time because the -10% Floor </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reduces the impact of large negative market movements.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• In an extended period of smaller negative market returns, the risk of loss is greater with the Index </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Guard Strategy than with the Index Dual Precision Strategy, Index Precision Strategy, and Index </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Strategy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Provides certainty regarding the maximum loss in any Term.</span></div> </div> </td> </tr> <tr style="height:169pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Less protection than the Index Protection Strategy with Trigger, Index Protection Strategy with Cap, </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and Index Guard Strategy. 1-year Term Index Options with a 10% Buffer provide the same protection </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">as the Index Precision Strategy. The 20% and 30% Buffers provide more protection than what is </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available with the Index Precision Strategy. Offers the same protection levels as the Index Dual </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Buffer absorbs 10%, 20%, or 30% of loss depending on the Index Option you select, but you receive </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a negative Performance Credit for losses greater than the Buffer.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Potential for large losses in any Term.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• More sensitive to large negative market movements because small or moderate negative market </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">movements are absorbed by the Buffer. In a period of extreme negative market performance, the risk </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">of loss is greater with the Index Performance Strategy than with the Index Guard Strategy.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• In extended periods of moderate to large negative market performance, 3-year and 6-year Terms may </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">provide less protection than the 1-year Terms because, in part, the Buffer is applied over a longer </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">period of time.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the growth opportunity?</span></div> </div> </td> </tr> <tr style="height:98pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity limited by the Trigger Rates.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• May perform best in periods of small positive market movements relative to the other Crediting </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Methods, because such small positive market movements may result in positive Performance Credits </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">that are greater than the Index Return while also providing complete protection from any Index losses. </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">May have lower return potential compared to other Crediting Methods.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• These Trigger Rates will generally be less than Caps, and Index Precision Strategy's Trigger Rates. </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Growth opportunity may be more or less than the Index Dual Precision Strategy depending on Trigger </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Rates.</span></div> </div> </td> </tr> <tr style="height:133pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Cap</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity limited by the Caps.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• May perform best in periods of small positive market movements relative to the other Crediting </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Methods, because such small positive market movements would result in positive Performance </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Credits while also providing complete protection from any Index losses.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally more growth opportunity than the Index Protection Strategy with Trigger, but less than the </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy. Growth opportunity </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">may be more or less than the Index Dual Precision Strategy depending on Caps and Trigger Rates.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Caps will generally be greater than the Trigger Rates for Index Protection Strategy with Trigger, but </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">less than Index Precision Strategy's Trigger Rates, and less than the Caps for the Index Guard </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy and Index Performance Strategy. These Caps may be greater or less than Index Dual </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy's Trigger Rates.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the growth opportunity?</span></div> </div> </td> </tr> <tr style="height:122pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity limited by the Trigger Rates. We do </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> apply the Trigger Rate annually on 3-year </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and 6-year Term Index Options.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• May perform best in periods of small or moderate negative market movements as it provides a </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">positive Performance Credit in these environments while other Crediting Methods do not.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally, 1-year Term Index Options have less growth opportunity than the Index Precision Strategy </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and the 1-year Term Index Options on the Index Performance Strategy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally, 3-year and 6-year Term Index Options have less growth opportunity than the 3-year and </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">6-year Term Index Options on the Index Performance Strategy.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity may be more or less than the Index Protection Strategy with Trigger, Index </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Protection Strategy with Cap, and Index Guard Strategy depending on Trigger Rates and Caps.</span></div> </div> </td> </tr> <tr style="height:86pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity limited by the Trigger Rates.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• May perform best in periods of small positive market movements.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally more growth opportunity than the Index Protection Strategy with Trigger, Index Protection </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy with Cap, and Index Dual Precision Strategy. However, less growth opportunity than the </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Dual Precision Strategy during periods of small or moderate negative market movements.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity may be more or less than the Index Guard Strategy or Index Performance </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy depending on Trigger Rates and Caps.</span></div> </div> </td> </tr> <tr style="height:62pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity limited by the Caps.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• May perform best in a strong market.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity that generally may be matched or exceeded only by the Index Performance </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy. However, growth opportunity may be more or less than the Index Dual Precision Strategy, </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Precision Strategy, or Index Performance Strategy depending on Trigger Rates and Caps.</span></div> </div> </td> </tr> <tr style="height:157pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity limited by the Caps and/or Participation Rates. We do </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> apply the Cap annually </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">on 3-year and 6-year Term Index Options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If we do not declare a Cap for an Index Option, there is </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">no maximum limit on the positive Index Return for that Index Option. In addition, you can </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">receive more than the positive Index Return if the Participation Rate applies and is greater </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">than its 100% minimum. However, the Participation Rate cannot boost Index Returns beyond a </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">declared Cap.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• May perform best in a strong market.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Generally, 1-year Term with 10% Buffer Index Options, 3-year Term with 10%, 20%, or 30% Buffer </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Options, and 6-year Term with 10%, 20%, or 30% Buffer Index Options have the most growth </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">opportunity.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Growth opportunity for the 1-year Term with 20% or 30% Buffer may be less than the Index Dual </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy 1-year Term, Index Precision Strategy, and Index Guard Strategy depending on </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Trigger Rates and Caps.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What can change within a Crediting Method?</span></div> </div> </td> </tr> <tr style="height:38pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term has a 0.50% minimum Trigger Rate.</span></div> </div> </td> </tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Cap</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Renewal and Early Reallocation Caps for existing Contracts can change on each Term Start Date.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term has a 0.50% minimum Cap.</span></div> </div> </td> </tr> <tr style="height:97pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term with 10%, 20%, or 30% Buffer has a 3% minimum Trigger Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3-year Term with 10%, 20%, or 30% Buffer has a 4% minimum Trigger Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6-year Term with 10%, 20%, or 30% Buffer has an 8% minimum Trigger Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The 10%, 20%, and 30% Buffers for the currently available Index Options cannot change. However, if </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">we add a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">date we add the Index Option to your Contract. The minimum Buffer is 5% for a new Index Option.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:15pt;"> <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What can change within a Crediting Method?</span></div> </div> </td> </tr> <tr style="height:74pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term has a 3% minimum Trigger Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The 10% Buffers for the currently available Index Options cannot change. However, if we add a new </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Index Option to your Contract. The minimum Buffer is 5% for a new Index Option.</span></div> </div> </td> </tr> <tr style="height:62pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Renewal and Early Reallocation Caps for existing Contracts can change on each Term Start Date.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term has a 3% minimum Cap.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The -10% Floors for the currently available Index Options cannot change. However, if we add a new </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract after the Issue Date, we establish the Floor for it on the date we add the </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract. The minimum Floor is -25% for a new Index Option.</span></div> </div> </td> </tr> <tr style="height:121pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Renewal and Early Reallocation Caps and/or Participation Rates for existing Contracts can change on </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each Term Start Date.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1-year Term with 10%, 20%, or 30% Buffer has a 3% minimum Cap.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3-year Term with 10%, 20%, or 30% Buffer has a 5% minimum Cap, and 100% minimum </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Participation Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6-year Term with 10%, 20%, or 30% Buffer has a 10% minimum Cap, and 100% minimum </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Participation Rate.</span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The 10%, 20%, and 30% Buffers for the currently available Index Options cannot change. However, if </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">we add a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">date we add the Index Option to your Contract. The minimum Buffer is 5% for a new Index Option.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:74pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">• </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">For any Index Option with the</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision Strategy, Index Precision Strategy, or Index Performance </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:7.78pt;">Strategy,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">you participate in any negative Index Return in excess of the Buffer</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, which reduces your Contract Value. </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">For example, for a 10% Buffer we absorb the first -10% of Index Return and you could lose up to 90% of the Index </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Option Value. However, for any Index Option with the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">we absorb any negative Index Return </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">in excess of the -10% Floor, so your maximum loss is limited to -10% of the Index Option Value due to negative </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">Index Returns.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:48pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">• Trigger Rates, Caps, and Participation Rates as set by us from time-to-time may vary substantially based on market </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">conditions. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">However, in extreme market environments, it is possible that all Trigger Rates, Caps, and Participation </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">Rates will be reduced to their respective minimums of 0.50%, 3%, 4%, 5%, 8%, 10%, or 100% as stated in the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">table above.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">• If your Contract is within its free look period you may be able to take advantage of any increase in initial Trigger </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Rates, Caps, and/or Participation Rates by cancelling your Contract and purchasing a new Contract.</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">• If the initial Trigger Rates, Caps, and/or Participation Rates available on the Index Effective Date are not acceptable </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">you have the following options:</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cancel your Contract if you are still within the free look period.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Request to extend your Index Effective Date if you have not reached your first Quarterly Contract Anniversary.</span></div> </div> </td> </tr> <tr style="height:48pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If the free look period has expired, request a full withdrawal and receive the Cash Value. This withdrawal is subject </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:19pt;">to income taxes, and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. If </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:19pt;">this occurs </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on or before</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the Index Effective Date, the Daily Adjustment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">and MVA</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> do </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> apply. If this occurs </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:19pt;">the Index Effective Date, you </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">are</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> subject to the Daily Adjustment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">and MVA</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> </td> </tr> <tr style="height:84pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">• </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Trigger Rates, Caps, and Participation Rates can be different from Index Option to Index Option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">For example, </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Caps for the Index Performance Strategy 1-year Terms can be different between the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index and the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Nasdaq-100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index; and Caps for the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index can be different between 1-year, 3-year, and 6-year Terms on </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">the Index Performance Strategy, and between the 1-year Terms for the Index Guard Strategy and Index Performance </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Strategy. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Initial, renewal, and Early Reallocation rates may also be different from Contract-to-Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> For </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">example, assume that on August 3, 2023 we set Caps for the Index Performance Strategy 1-year Term with 10% Buffer </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">using the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index as follows:</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">13% initial rate and 12% Early Reallocation rate for new Contracts issued in 2023,</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">14% renewal rate and 14% Early Reallocation rate for existing Contracts issued in 2022, and</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">12% renewal rate and 13% Early Reallocation rate for existing Contracts issued in 2021.</span></div> </div> </td> </tr> </table> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We apply positive, zero, or negative Performance Credits at the end of a Term to amounts allocated to an Index Option based, in part, on the performance of the applicable Index. An investment in an Index Option is not an investment in the Index or in any Index fund.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Limits on Index Losses</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option offers a certain level of protection from negative Index Returns, which limits the amount of negative Index Return used in calculating Performance Credits for an Index Option at the end of a Term.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Protection Strategy with Trigger and Index Protection Strategy with Cap Index Options offer complete (or 100%) protection from negative Index Returns. For example, if at the end of a Term, the Index Return is -25%, we will apply a 0% Performance Credit to your investment (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, no loss due to the negative Index Return).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Other Index Options include a feature, either a Buffer or Floor, that provides limited protection from negative Index Returns.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Buffer is the maximum amount of negative Index Return that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">we</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> absorb before applying a negative Performance Credit. For example, if at the end of a Term, the Index Return is -25% and the Buffer is 10%, we apply a Performance Credit of -15%, meaning your Contract Value allocated to that Index Option will decrease by 15% since the Term Start Date. This reflects the negative Index Return that exceeds the protection of the 10% Buffer. The Index Precision Strategy, Index Dual Precision Strategy, and Index Performance Strategy offer Index Options with Buffers.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Floor, on the other hand, is the maximum amount of negative Index Return </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">you</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> absorb as a negative Performance Credit. We absorb any negative Index Return beyond the Floor. For example, if the Index Return is -25% and the Floor is -10%, we apply a Performance Credit of -10%, meaning your Contract Value allocated to that Index Option will decrease by 10% since the Term Start Date. This reflects the negative Index Return down to the -10% Floor. The Index Guard Strategy offers Index Options with a Floor.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We currently offer Index Options with 10%, 20%, and 30% Buffers, and -10% Floors.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current limit on Index loss for an Index Option will not change for the life of that Index Option. However, we reserve the right to add new Index Options, as well as close Index Options to new Purchase Payments and transfers. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option or </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">discontinue accepting new allocations into an Index Option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">However, at least one Index Option with a Buffer no lower than 5% or Floor no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">25%, or an Index Option that provides complete protection from Index losses, will always be available for renewal under the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Prior to selecting an Index Option, you should evaluate the protection from negative Index Returns offered by an Index Option. See “Comparing Crediting Methods” later in this section for additional factors that you should consider when comparing Index Options. Also, see “How We Set Limits on Index Gains and Losses” below for a description of the factors that we consider when setting rates for the Index Options.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For detailed information on how we calculate Index Option Values and Performance Credits, see “Determining Index Option Values” and “Calculating Performance Credits” in section 6, Valuing Your Contract later in this prospectus.</span></div> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">However, at least one Index Option with a Buffer no lower than 5% or Floor no lower than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">25%, or an Index Option that provides complete protection from Index losses, will always be available for renewal under the Contract.</span> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Limits on Index Gains</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Index Option also has an upside feature, either a Trigger Rate, Cap, and/or Participation Rate, used in the calculation of positive Performance Credits, if any, that may be credited to your investment at the end of a Term. We may limit the amount you can earn on an Index Option based on the Trigger Rate, Cap, or Participation Rate, as applicable.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Trigger Rate represents the positive Performance Credit, if any, that may apply on the Term End Date. The Index Precision Strategy, Index Dual Precision Strategy, and Index Protection Strategy with Trigger offer Index Options with a Trigger Rate.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Precision Strategy and Index Protection Strategy with Trigger, the Trigger Rate will apply if the Index Return is positive or zero. For example, if at the end of a Term, the Index Return is 6% and the Trigger Rate is 3%, we apply a Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Index Dual Precision Strategy, the Trigger Rate will apply if the Index Return is positive, zero, or to a limited extent, negative. For example, assume a Trigger Rate of 3% and a Buffer of 10%. If at the end of a Term, the Index Return is positive, zero, or negative but no lower than -10% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, not in excess of the Buffer), we apply a positive Performance Credit of 3%, meaning your Contract Value allocated to that Index Option will increase by 3% since the Term Start Date. However, if the negative Index Return were lower than -10% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, in excess of the Buffer), we apply a negative Performance Credit equal to the negative Index Return plus the Buffer.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Cap represents the maximum positive Performance Credit, if any, applied on a Term End Date. For example, if at the end of a Term, the Index Return is 12% and the Cap is 10%, we apply a Performance Credit of 10%, meaning your Contract Value allocated to that Index Option will increase by 10% since the Term Start Date. The Index Protection Strategy with Cap, Index Guard Strategy, and Index Performance Strategy offer Index Options with a Cap. Index Performance Strategy multi-year Term Index Options have both a Cap and a Participation Rate (as described below).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A Participation Rate is the percentage that is multiplied by a positive Index Return in calculating a positive Performance Credit, if any, subject to any applicable Cap. For example, if at the end of a Term, the Participation Rate is 100%, the Cap is 15%, and the Index Return is 12% (which is lower than the Cap), we apply a Performance Credit of 12% (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, 100% x 12%). However, if the Index Return were instead 20% (which is higher than the Cap), we would apply the Cap and a Performance Credit of 15%. Index Performance Strategy multi-year Term Index Options have both a Cap and a Participation Rate.</span></div>The Trigger Rate, Cap, and/or Participation Rate for an Index Option will change from Term to Term, subject to a specified guaranteed minimum that will not change for the life of that Index Option. Guaranteed minimum Trigger Rates, Caps, and/or Participation Rates vary by Index Option <img alt=" " src="sp500.jpg" style="height:257pt;width:494pt;"/> <div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">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, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="nas1000.jpg" style="height:257pt;width:494pt;"/> <div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">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, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="russ2000.jpg" style="height:257pt;width:494pt;"/> <div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">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, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.</span></div><img alt=" " src="eurostoxx50.jpg" style="height:257pt;width:494pt;"/> <div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">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, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. This Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span></div><img alt=" " src="msci_emm.jpg" style="height:257pt;width:494pt;"/> <div><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">*</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is an ETF. Index Values are based on the ETF’s closing share price. Index performance is calculated on a “price return” basis, not a “total return” basis, and therefore does not reflect the dividends paid on the securities in which the ETF invests. In addition, an ETF deducts fees and costs, which reduce Index performance. These factors will reduce the Index Return and may cause the Index to underperform a direct investment in the ETF or the securities in which the ETF invests.</span></div> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">The Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, and Index Performance </span> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">Strategy allow negative Performance Credits. As a result, you could lose a significant amount of money in the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">form of negative Performance Credits if an Index declines in value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">The maximum potential negative </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Performance Credit is: -90% with a 10% Buffer; -80% with a 20% Buffer; -70% with a 30% Buffer; and -10% </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">with the Floor.</span></div> The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date. Its purpose is to provide investors an interim Index Option Value upon which withdrawals or other transactions subject to the Daily Adjustment can occur in between a Term Start Date and Term End Date. If, before the Term End Date, you take a full or partial withdrawal, you take Income Payments, you execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or when we deduct Contract fees, expenses, or investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract, we calculate the Index Option Value by applying the Daily Adjustment The Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine Income Payments, RMD payments, Charge Base, contract maintenance charge, and investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. You can review your Index Option Values, which include the Daily Adjustment, in your account on our website. Please note that the values available for review are calculated as of the close of the <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">prior</span> Business Day and may differ from the values you receive <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment primarily takes into account:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(i)</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">any Index gains during the Term subject to the applicable Trigger Rate, Cap, and/or Participation Rate,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(ii)</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">for the Index Dual Precision Strategy, any Index losses less than or equal to the 10%, 20%, or 30% Buffer,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(iii)</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">either any Index losses greater than the 10%, 20%, or 30% Buffer, or Index losses down to the -10% Floor (not applicable to the Index Protection Strategy with Trigger or Index Protection Strategy with Cap), and</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(iv)</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the number of days until the Term End Date.</span></div> 0 0.99 0.35 Such losses will be greater if the amount withdrawn is also subject to a negative MVA, or is a deduction of Contract fees, expenses, or investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A withdrawal taken during the Term may not receive the full benefit of the Buffer or Floor because the Daily Adjustment takes into account what may potentially happen between the withdrawal date and the Term End Date. All other factors being equal, even if the current Index return during the Term is greater than the Trigger Rate or Cap, the Daily Adjustment will usually be lower than the Cap or Trigger Rate. For the Index Protection Strategy with Trigger and Index Precision </span></div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Strategy, even if the current Index return during the Term is greater than or equal to zero, the Daily Adjustment will usually be lower than the Trigger Rate. For the Index Dual Precision Strategy, even if the Index return during the Term is positive, zero, or negative and within the applicable Buffer, the Daily Adjustment will usually be lower than the Trigger Rate. This is because there is a possibility that the Index return could decrease before the Term End Date. Similarly, even though a negative Index return may be within the 10%, 20%, or 30% Buffer for the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy, you still may receive a negative Daily Adjustment because there is a possibility that the Index Return could decrease before the Term End Date. The Daily Adjustment for Index Options with a Term length of more than 1 year may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative Daily Adjustment is generally greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options due to the Term length. The Index Performance Strategy 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate equal to 100%. Finally, a negative Index return for the Index Guard Strategy may result in you receiving a Daily Adjustment lower than the -10% Floor, because the Daily Adjustment reflects the present value of the Floor and you will not receive the full benefit of the -10% Floor until the Term End Date.</span> A negative Daily Adjustment may cause you to realize loss of principal and previous earnings The Daily Adjustment for Index Options with a Term length of more than 1 year may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. <div style="line-height:13.0pt;margin-top:12pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:0pt;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">10.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Benefits Available Under the Contract</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following tables summarize information about the benefits available under the Contract. The availability of Contract benefits may vary depending on the broker-dealer through which the Contract is sold. See Appendix H – Financial Intermediary Variations for additional information.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:6pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:171pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Privilege</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw up to 10% of your total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annual Contribution Amounts each Index Year </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">without incurring an MVA.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available during the Income Period.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available upon a full withdrawal.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Upon a full withdrawal, an MVA may apply </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">against amounts previously withdrawn under </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the free withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Unused free withdrawal amounts not </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available in future years.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes, and may also be subject to a 10% </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional federal tax for amounts withdrawn </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before age 59 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> </td> </tr> <tr style="height:189.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to automatically take withdrawals to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">satisfy the required minimum distribution </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">requirements (RMD) imposed by the Internal </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Revenue Code.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available to IRA or SEP IRA Contracts.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals count against the free </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be monthly, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">quarterly, semi-annual or annual, unless you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">have less than $25,000 in Contract Value, in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">which case only annual payments are </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We reserve the right to discontinue or modify </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the program subject to the requirements of </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">law.</span></div> </div> </td> </tr> </table> </div> <div style="margin-top:6pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:398.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Advisory Fees</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We designed the Contract for persons who are </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">receiving ongoing investment advice from a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Financial Professional. You can instruct us to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">automatically withdraw investment advisory </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees from your Contract to pay your Financial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Professional’s firm.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Investment advisory fees are in addition to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Contract’s fees and expenses.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If you and your Financial Professional do not </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">agree to our requirements we will not pay </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">investment advisory fees from this Contract </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">to your Financial Professional’s firm.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Our requirements limit investment advisory </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">fee withdrawals to 1.5% of Contract Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each Contract Year, require the fees to be </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">solely for advisory services provided with </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">respect to the Contract, and require the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract to be the sole source of payment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Deductions we make for investment advisory </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">fees reduce your Contract Value (and </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">therefore Cash Value) dollar for dollar by the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amount withdrawn. This Contract Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reduction also decreases your initial annual </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">maximum Income Payment which is based </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">on Contract Value. As Contract Value is one </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">of the components we use to calculate RMD </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">payments, these deductions may also reduce </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">your RMD payments. These deductions also </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reduce the following proportionately by the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">percentage of Contract Value withdrawn: </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Charge Base, Index Option Base, Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Option Value, and Variable Account Value. </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">For more information regarding the impact of </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">paying advisory fees with money in the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract, including an example of how </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">deduction of investment advisory fees </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">impacts the Contract, see section 1, The </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract – Investment Advisory Fees.</span></div> </div> </td> </tr> </table> </div> <div style="margin-top:6pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:585.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Income</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed lifetime withdrawal benefit </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">providing for yearly Income Payments until the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death of the Covered Person(s) if conditions </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">are satisfied.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We base the initial Income Payment on the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lifetime Income Percentage and Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value. If you choose the Level Income payment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">option and meet the age requirements stated in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 11, we guarantee your initial annual </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">maximum Income Payment will be at least the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Level Income Guarantee Payment Percentage </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">multiplied by your total Purchase Payments </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">adjusted for withdrawals.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The automatic annual payment increase </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">feature may increase payments after the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Benefit Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you elect Level Income, payments increase if </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value increases from one Income </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Anniversary to the next and you took </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the maximum permitted payment during the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">prior Income Benefit Year.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Includes the Income Multiplier Benefit for no </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">additional charge that can increase income to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">help pay for needed care.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Section 11 includes examples of the Lifetime </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Percentage Calculation, Excess </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawals, Income Payment increases, and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Income Multiplier Benefit.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.70%</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">(as a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">percentage of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">the Charge </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Base)</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">This rider fee </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">is part of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">Base Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">Expenses in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">the Fee </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">Tables.</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit cannot be removed from the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• See the Income Benefit Supplement for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">current terms. Please see Appendix F for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">historical information on the terms for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">previous versions of the Income Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit only available during the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Investment restrictions limit available Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options during Income Period.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Income Period cannot begin until after the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">waiting period and reaching age 50. Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Period must begin no later than age 100.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Early and Excess Withdrawals may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">significantly reduce or end the benefit as </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">indicated in section 11.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">A full Excess Withdrawal and certain </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">partial Excess Withdrawals will cause </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Income Payments to stop and the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Contract </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">and all of its benefits</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> to end.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• On the Income Benefit Date, we execute </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Locks on Index Options for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">which this day is not a Term End Date, and in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">such case the Index Option Value will be </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">subject to the Daily Adjustment. We then </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reallocate the total Contract Value, including </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amounts in the Variable Option, into the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Protection Strategy with Trigger and/or </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Protection Strategy with Cap Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options according to allocation instructions </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you provide, and begin your Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Income Payments are subject to income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes, and may also be subject to a 10% </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional federal tax for amounts withdrawn </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before age 59 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• No additional Purchase Payments during the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Period.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• No Income Percentage Increase before age </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">45.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Availability of joint Income Payments is </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">subject to age restrictions.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Income Multiplier Benefit is not available </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in all states as indicated in Appendix G.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Must establish eligibility to exercise the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Multiplier Benefit (e.g., that you are </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">confined for care or unable to perform two </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">activities for daily living) and must </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">re-establish eligibility each year thereafter.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">but you may be able to annuitize your annual </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">maximum Income Payment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• State variations may apply.</span></div> </div> </td> </tr> </table> </div> <div style="margin-top:6pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:163.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greatest </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Contract Value, Cash Value, or </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed Death Benefit Value. The </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed Death Benefit Value is total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments adjusted for withdrawals.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of the death benefit provided by </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Traditional Death Benefit is included in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 12, Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of how deduction of investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">advisory fees impact the death benefit is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 1.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The impact of an Excess Withdrawal on the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death benefit is included in section 11.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit only available during the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals, including any negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustments and negative MVAs, may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">significantly reduce the benefit as indicated in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Investment Advisory Fee Deduction </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Example in section 1, The Contract, and in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Excess Withdrawal example in section </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">11, Income Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Restrictions on Purchase Payments may limit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit.</span></div> </div> </td> </tr> </table> </div> <div style="margin-top:6pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:541.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lock and Early </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Reallocations</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock allows you to capture the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current Index Option Value during the Term for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">an Index Option. Performance Lock can help </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">eliminate doubt about future Index performance </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and possibly limit the impact of negative </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance. Early Reallocation allows you to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer out of a locked Index Option on days </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">other than an Index Anniversary, or a Term End </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A Performance Lock example is included in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 6, Valuing Your Contract — </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Locks and Early Reallocations.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Available during the Accumulation Phase. </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Only available during the Annuity Phase if </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you select Increasing Income and you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">annuitize your annual maximum Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Performance Locks must be executed before </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed, the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">locked Index Option will no longer participate </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in Index performance (positive or negative) </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">for the remainder of the Term, and will not </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">receive a Performance Credit on the Term </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You will not know your locked Index Option </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value in advance.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The locked Index Option Value will reflect a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed when the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustment has declined, it will lock in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">any loss.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• A Performance Lock can be executed only </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">once each Term for each Index Option.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot execute a Performance Lock for only </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a portion of the Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Early Reallocation requests are not accepted </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">within 14 calendar days before an Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You are limited to twelve Early Reallocation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">requests each Index Year.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Deductions (e.g. withdrawals, fees) decrease </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the locked Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot transfer locked Index Option Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">until the next Index Anniversary that occurs </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">on or immediately after the Lock Date unless </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you execute an Early Reallocation.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not provide advice or notify you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">regarding whether you should execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or Early Reallocation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">or the optimal time for doing so, if any.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not warn you if you execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or Early Reallocation at </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">a sub-optimal time.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We are not responsible for any losses </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">related to your decision whether or not to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">execute a Performance Lock or Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Reallocation.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• Early Reallocations are not available to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Contracts issued before May 1, 2023, as </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">detailed in Appendix G.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:0.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:7.34pt;"> </span></div> <div style="line-height:0.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:6pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:188.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:189pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:222.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Anniversary </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Value Death </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greatest of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Contract Value, Cash Value, or Guaranteed </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Death Benefit Value. The Guaranteed Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Value is the Maximum Anniversary Value.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of the death benefit provided by the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Anniversary Value Death Benefit, and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">calculation of the Maximum Anniversary Value is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 12, Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of how deduction of investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">advisory fees impact the death benefit is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 1.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The impact of an Excess Withdrawal on the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death benefit is included in section 11.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">(as a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">percentage of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">the Charge </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Base)</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:189pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Must be age 75 or younger to elect.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Can only be added to a Contract at issue.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Replaces the Traditional Death Benefit if </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">elected.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit cannot be removed from the Contract.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals, including any negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment and negative MVA, may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">significantly reduce the benefit as indicated in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Investment Advisory Fee Deduction </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Example in section 1, The Contract, and in the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Excess Withdrawal example in section 11, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals reduce the likelihood of receiving </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">increases to the Maximum Anniversary Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Investment restrictions during the Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Period may limit the benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Restrictions on Purchase Payments may limit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:13.0pt;margin-top:16pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:16.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">11.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Income Benefit</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit is automatically included in your Contract at issue. It provides guaranteed lifetime Income Payments based on a percentage of your Contract Value. Such Income Payments can continue up to the point of annuitization. Once the Income Payment waiting period has expired, Income Payments can begin as early as age 50 or as late as age 100. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When you begin taking Income Payments, you must elect either the Level Income or Increasing Income payment option.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Unlike Annuity Payments, the Income Benefit allows access to your Contract Value and death benefit for a period of time after Income Payments begin. However, once Income Payments begin, only the Index Options with the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are available to you. If you have Contract Value in any of the Index Options with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, you must transfer this Contract Value to the Index Options with the Index Protection Strategy with Trigger or Index Protection Strategy with Cap when you request Income Payments. The Income Benefit has a rider fee as discussed in the Fee Tables, and section 7, Expenses and Adjustments. The Income Benefit also includes the Income Multiplier Benefit for no additional charge, which can increase the annual maximum Income Payment after the required wait period to help pay for care if you should need it.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Unless otherwise stated, the following description of the Income Benefit applies to both the Level Income and Increasing </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income payment options.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">How the Income Benefit Works</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We designed Income Payments to last for the lifetime of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Covered Person(s)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Covered Person(s) are based on the Eligible Person(s) and the Income Payment type you select on the Income Benefit Date. We establish </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Eligible Person(s)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> at issue based on the Contract’s ownership and tax qualification status.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We generally base Income Payments on the Lifetime Income Percentage and your Contract Value. However, it is possible in periods of extremely low return that the Level Income Guarantee Payment Percentage could result in a higher initial Income Payment. In those circumstances, we base Income Payments on total Purchase Payments adjusted for withdrawals instead of Contract Value. We base each Lifetime Income Percentage on its </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Income Percentage(s)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Income </span></div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Percentage Increase</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> (the amount that each Lifetime Income Percentage can increase on each Index Anniversary up to and including the Income Benefit Date). On the Index Effective Date, we establish:</span></div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">An Income Percentage for each payment type using the Eligible Person’s current age, or younger Eligible Person’s current age for joint payments. This Income Percentage is also the initial Lifetime Income Percentage for each payment type.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">An Income Percentage Increase for each Eligible Person based on their current age (or younger Eligible Person’s current age for joint payments). However, if there are two Eligible Person(s), the Index Options Statement will not display a single Lifetime Income Percentage for an Eligible Person who is only a Beneficiary, because only an Eligible Person who is also an Owner (or Annuitant if the Owner is a non-individual) can become a Covered Person if you select single payments.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Accumulation Phase, on each Index Anniversary on and before the Income Benefit Date, we add an Income Percentage Increase to each Lifetime Income Percentage once the Eligible Person (or younger Eligible Person for joint payments) reaches age 45. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">This means if an Eligible Person is younger than age 44 on the Issue Date:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">you will not receive an increase to a Lifetime Income Percentage based on that Eligible Person until the Index Anniversary that the Eligible Person (or younger Eligible Person for joint payments) reaches age 45, and</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">you will pay a rider fee during the period you are not eligible for an Income Percentage Increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The table showing the Income Percentages and Income Percentage Increases is stated in the Income Benefit Supplement. Additional Purchase Payments we receive after the Index Effective Date will adjust each Lifetime Income Percentage on the next Index Anniversary based on:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Income Percentage for the Eligible Person’s current age, and</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Variable Account Value’s percentage of total Contract Value, and the percentage of the sum of all Index Option Values to total Contract Value.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If we receive additional Purchase Payments after the Eligible Person reaches age 45, these Purchase Payments will increase the available Income Payment because they increase the Contract Value, although they actually decrease each Lifetime Income Percentage. Please see the Lifetime Income Percentage Calculation Example later in this section.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">When you are ready to take Income Payments, you can choose which Lifetime Income Percentage we use to calculate your payment. You will always be able to choose between Lifetime Income Percentages for the Level Income and Increasing Income payment options. However, once Income Payments begin you cannot change your payment option.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Level Income</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides an automatic annual increase to your Income Payments if your Contract Value increases from one Income Benefit Anniversary to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you choose the Level Income payment option and meet certain age requirements,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> your initial Income Payment will not be less than a percentage </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(Level Income Guarantee Payment Percentage)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of your total Purchase Payments reduced proportionately for withdrawals you took (including any MVA). All withdrawals you take reduce your total Purchase Payments, even MVA-Free Withdrawals. However, we do not reduce your total Purchase Payments for deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Increasing Income</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides Income Payment increases on each Income Benefit Anniversary during the Income Period if your selected Index Option(s) receives a positive Performance Credit, or you execute a Performance Lock during the prior Income Benefit Year.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If there are two Eligible Person(s) who both meet the exercise age requirements, you will also be able to choose between Lifetime Income Percentages for single and joint payments. If both Eligible Persons are also Owners, you will also be able to choose between single Lifetime Income Percentages based on each Eligible Person. The Lifetime Income Percentages available before the Income Benefit Date are displayed on the Index Options Statement. During the Income Period this statement will show the annual maximum Income Payment available for the next year. The annual maximum Income Payment displayed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">for the Level Income payment option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> will reflect the Level Income Guarantee Payment Percentage if this calculation results in a greater payment and you meet the age requirements stated under “Calculating Your Income Payments” later in this section.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">There are restrictions on which Eligible Person can become a Covered Person if you select single Income Payments. Joint Income Payments are not available if the age difference between spouses is more than 50 years (for more information see section 2, Eligible Person(s) and Covered Person(s)).</span></div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Income Payments are not available until the Index Anniversary that occurs on or after the Income Payment waiting period (which is stated in the Income Benefit Supplement) expires and the Eligible Person(s) reaches age 50. Income Payments must begin no later than age 100. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If you do not begin Income Payments during the eligibility period, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages. In addition, before the Income Period you are paying for a benefit that you are not currently using.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You choose your Income Payment frequency and amount subject to the annual maximum permitted payment. The payment option (Level Income or Increasing Income) you select determines how and when your annual maximum Income Payment will increase from one Income Benefit Anniversary to the next as described in “Automatic Annual Income Payment Increases” later in this section.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We use Contract Value to calculate your initial annual maximum Income Payment, and any Income Payment increases under the Level Income payment option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Negative Index Option performance, withdrawals you take, and deductions we make for Contract fees, expenses, and investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract decrease the Contract Value, which reduces the initial annual maximum Income Payment available to you, and the likelihood you will receive Income Payment increases if you select the Level Income payment option. Once established, the annual maximum Income Payment can only decrease if you take an Excess Withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">A full Excess Withdrawal and certain partial Excess Withdrawals will cause Income Payments to stop and the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;text-decoration:underline;">and all of its benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;"> to end.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit also includes the Income Multiplier Benefit which, after the required wait period, can increase your income to help pay for care if you should need it. If you qualify for this benefit, we multiply your annual maximum Income Payment by the income multiplier factor. The income multiplier factor and income multiplier benefit wait period are stated in the Income Benefit Supplement. The Income Multiplier Benefit is not available in all states as indicated in Appendix G.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:38pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:4.15pt;">YOU SHOULD NOT PURCHASE THIS CONTRACT WITHOUT FIRST OBTAINING THE CURRENT </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">INCOME BENEFIT SUPPLEMENT.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> We publish any changes to the Income Benefit Supplement at least seven </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">calendar days before they take effect on our website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">https://www.allianzlife.com/RILAincomeadvrates.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Please discuss the Income Benefit’s appropriateness with your Financial Professional and tax adviser.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">During the Income Period</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will receive Income Payments as long as a Covered Person is alive and continues to meet the requirements stated in section 2. However, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Income Payments and the Income Benefit may end prematurely if you:</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">change the Owner(s) or Beneficiary and all Covered Persons are removed from the Contract because they no longer meet the requirements stated in section 2,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">take an Excess Withdrawal that reduces the Contract Value to $2,000 or less, or</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">annuitize your Contract. However, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">we can convert your Income Payment to Annuity Payments as described in section 9, The Annuity Phase – When Annuity Payments Begin.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you begin Income Payments before age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">, the payments may be subject to a 10% additional federal tax.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any part of your annual maximum Income Payment that you do not withdraw in a given Income Benefit Year remains in your Contract for the remainder of that year, but is not added to the annual maximum payment available next year.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess Withdrawals reduce your annual maximum Income Payment by the percentage of Contract Value withdrawn (including any MVA) on the next Income Benefit Anniversary.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You cannot make additional Purchase Payments. If your Contract includes the Traditional Death Benefit, your Guaranteed Death Benefit Value no longer increases.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract Value continues to fluctuate as a result of Index Option performance. However, only the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are available to you. This may limit your Contract’s performance potential, and if your Contract includes the Maximum Anniversary Value Death Benefit, this may also limit your Guaranteed Death Benefit Value.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract Value decreases on a dollar for dollar basis with each Income Payment, Excess Withdrawal, and deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract. If your Contract includes the Maximum Anniversary Value Death Benefit, this decrease in Contract Value also reduces the likelihood of locking in investment gains to the Maximum Anniversary Value.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Income Payment and any Excess Withdrawal also reduces your Guaranteed Death Benefit Value and the Charge Base used to calculate product and rider fees by the percentage of Contract Value withdrawn (including any MVA)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">, which means these values may be reduced by more than the amount withdrawn</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit rider fee continues until the Business Day the Contract Value reduces to zero, you annuitize the Contract, or the Income Benefit ends.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If your Contract also includes the Maximum Anniversary Value Death Benefit, its rider fee continues as indicated in section 7, Expenses and Adjustments.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The free withdrawal privilege is no longer available.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you exercise the Income Multiplier Benefit, we will increase your annual maximum Income Payment for the remainder of that Income Benefit Year and the next year. To continue receiving this increase each Income Benefit Year you must reestablish eligibility. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Any increase to your Income Payments as a result of this benefit will more rapidly reduce your Guaranteed Death Benefit Value.  </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If your Contract Value reduces to zero during the Income Period for any reason other than an Excess Withdrawal or annuitization that does not convert your Income Payments to Annuity Payments, you will continue to receive your maximum available Income Payment at the previous selected payment frequency until the earlier of the death of the Owner or last surviving Covered Person. Further, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">if you elected Increasing Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> your annual maximum Income Payment will continue to change based on Index Option performance, including any Performance Locks you execute. If you exercised the Income Multiplier Benefit, it will end on the Income Benefit Anniversary that occurs on or immediately after your Contract Value reduces to zero. This means that you will no longer receive the increased annual maximum Income Payment provided by this Benefit; however, you will continue to receive the maximum available Income Payment, which will be less than the amount you previously received under the Income Multiplier Benefit.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Income Payments made while Contract Value is greater than zero are payments made from your own money, and the chance of Contract Value being reduced to zero and receiving lifetime Income Payments from us may be minimal.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">An example of the effect of an Excess Withdrawal on the Guaranteed Death Benefit Value and the annual maximum Income Payment is included later in this section.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Requesting Income Payments</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You request Income Payments by completing a payment election form. We must receive your Income Payment election form in Good Order at our Service Center no later than five Business Days before the Income Benefit Date. Your Income Benefit Date must be on an Index Anniversary. At least one Eligible Person must remain in the Contract and be alive on the Income Benefit Date in order for Income Payments to begin. Joint payments are only available if there are two Eligible Persons on the Income Benefit Date. On the Income Benefit Date, we require updated allocation instructions. If you have Contract Value in an Index Option and the Income Benefit Date is not also a Term End Date, we will execute a Performance Lock for that Index Option if it is not locked, and in such case the Index Option Value will be subject to the Daily Adjustment. We then reallocate the total Contract Value, including any amount in the Variable Option, into the Index Protection Strategy with Trigger and/or Index Protection Strategy with Cap Index Options according to your allocation instructions, and immediately calculate and begin your Income Payments. If you have Index Options with different Term End Dates, there may be no Income Benefit Date you can select without application of at least one Daily Adjustment. For the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options, we will execute this Performance Lock even if the Daily Adjustment is zero.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will send you a notice letter at least 30 days before:</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Index Anniversary that Income Payments can begin once the Eligible Person(s) reaches age 50,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the last Index Anniversary that joint Income Payments will be available because the older Eligible Person is reaching age 100 if there are two Eligible Persons, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the last Index Anniversary that Income Payments will be available because the younger Eligible Person is reaching age 100.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:26pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">If Income Payments do not begin by the Index Anniversary upon which the younger Eligible Person reaches </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">age 100, the Income Benefit ends.</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">If the Income Benefit ends before Income Payments begin, you will have paid for the benefit without receiving </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">any of its advantages.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Calculating Your Income Payments</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The annual maximum Income Payment is the amount you are entitled to receive each Income Benefit Year. On the Income Benefit Date, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">if you select the Level Income payment option and all Covered Persons are age 80 or younger (and were age 75 or younger on the Issue Date)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> your initial annual maximum Income Payment is the greater of the following:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Level Income Guarantee Payment Percentage based on the Covered Person’s current age (or the younger Covered Person’s current age for joint payments) multiplied by total Purchase Payments reduced for withdrawals you took. Withdrawals reduce total Purchase Payments by the percentage of Contract Value withdrawn (including any MVA), determined at the end of each Business Day. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">All withdrawals you take reduce your total Purchase Payments, even MVA-Free Withdrawals. However, we do not reduce your total Purchase Payments for deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Lifetime Income Percentage for the payment type you select multiplied by the Contract Value determined at the end of the Business Day after we deduct the product fee, rider fee, and contract maintenance charge and apply any Performance Credits, but before we make any Income Payments or Excess Withdrawals, or we deduct any investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Covered Persons do not meet these age requirements (age 80 or younger on the Income Benefit Date, and age 75 or younger on the Issue Date), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or if you select the Increasing Income payment option,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we instead calculate your initial annual maximum Income Payment as stated in the second bullet above (the Lifetime Income Percentage for the payment type you select multiplied by the Contract Value determined at the end of the Business Day after we deduct the product fee, rider fee, and contract maintenance charge and apply any Performance Credits, but before we make any Income Payments or deduct Excess Withdrawals).</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:86pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">If you have Contract Value in an Index Option for which the Income Benefit Date is not a Term End Date, we </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">will execute a Performance Lock for that Index Option if it is not locked and then immediately calculate and </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">begin your Income Payments, and in such case the Index Option Value will be subject to the Daily Adjustment. </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">If you have Index Options with different Term End Dates, there may be no Income Benefit Date you can select </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">without application of at least one Daily Adjustment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">This means you may not receive the full benefit of the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Performance Credit that you would have received if you had waited until the Term End Date to begin Income </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Payments.</span></div> </div> </td> </tr> <tr style="height:72pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">We use Contract Value to calculate your initial annual maximum Income Payment, and Income Payment increases </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">under the Level Income payment option. Negative Index Option performance, withdrawals you take, and deductions </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">firm to receive from the Contract decrease the Contract Value, which reduces the initial annual maximum Income </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Payment available to you. Negative Index Returns and Performance Credits of zero also reduce the likelihood you </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">will receive Income Payment increases.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Level Income Guarantee Payment Percentage Table</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <div style="line-height:0.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:115pt;width:264pt; border-spacing: 0px;"> <tr style="height:42.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Covered Person’s age</span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(or younger Covered Person’s age for </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">joint payments)</span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">on the Income Benefit Date</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Level Income Guarantee</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Payment Percentage</span></div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">50</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.23</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">51</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.28</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">52</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.33</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">53</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.39</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">54</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.44</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">55</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.50</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">56</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.57</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">57</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.64</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">58</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.71</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">59</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.78</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">60</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.86</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">61</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.95</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">62</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.04</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">63</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.13</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">64</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.23</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">65</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.34</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">66</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.45</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">67</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.58</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">68</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.71</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">69</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.85</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">70</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.00</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">71</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.17</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">72</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.35</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">73</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.55</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">74</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.77</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">75</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.00</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">76</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.27</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">77</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.56</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">78</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.89</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">79</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">6.25</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:10.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">80</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">6.67</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">On the Income Benefit Date, if your initial annual maximum Income Payment is less than $100, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> For example, assuming a 4% Lifetime Income Percentage and Contract Value less than $2,500, this would result in an initial annual maximum Income Payment of less than $100.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can receive Income Payments monthly, quarterly, semi-annually, or annually. If the scheduled payment date does not fall on a Business Day, we make the payment on the next Business Day.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can change your payment frequency once each Income Benefit Year while your Contract Value is positive. We must receive your request to change your Income Payment frequency in Good Order at our Service Center no later than five Business Days before the Income Benefit Anniversary. If the change is available, we implement it on the Income Benefit Anniversary and it remains in effect until the benefit ends or you request another change. We do not accept payment frequency changes that would cause us to make payments of $0.01 to $99.99.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The annual maximum Income Payment is the amount you are entitled to, but you can choose to take less. The annual actual Income Payment is the total amount you choose to receive each year. Each scheduled Income Payment you receive is equal to the annual actual Income Payment divided by the number of payments you chose to receive during the Income Benefit Year. Each scheduled Income Payment must either be zero, or $100 or more. For example, you cannot request a scheduled payment of $50.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any part of your annual maximum payment that you do not withdraw in a given Income Benefit Year is not added to the annual maximum payment available next year. However, if your actual Income Payment is less than your annual maximum payment, you can withdraw the difference and we consider that withdrawal to be an additional actual Income Payment, and </span></div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">not an Excess Withdrawal and not subject to an MVA. We do not consider a withdrawal to be an Excess Withdrawal until you have withdrawn the available annual maximum Income Payment amount. In addition, once we have paid out your annual maximum Income Payment we will not make any further scheduled Income Payments for the rest of the Income Benefit Year. For example, assume your annual maximum Income Payment is $2,000 and you take scheduled semi-annual Income Payments of $500. Within an Income Benefit Year, you can take an additional withdrawal of up to $1,000 and we consider that to be an additional scheduled Income Payment. If instead you withdraw $1,200 after receiving the first $500 payment, we consider that withdrawal to be an additional scheduled Income Payment. On the date of the next scheduled Income Payment we will send you only $300 because that is the amount remaining from your $2,000 annual maximum. If you then took an additional withdrawal of $200 in that Income Benefit Year, we consider that $200 to be an Excess Withdrawal subject to an MVA.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you would like to take less than the maximum available payment, you can change your payment amount once each Income Benefit Year while your Contract Value is positive. We must receive your request to change your Income Payment amount in Good Order at our Service Center no later than five Business Days before the Income Benefit Anniversary. If the change is available, we implement it on the Income Benefit Anniversary and it remains in effect until the Income Benefit ends or you request another change.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If, on a Business Day that we are deducting an Income Payment, your Contract Value is less than the payment amount, we will add the difference between these amounts to your Contract Value and then deduct the Income Payment which will reduce your Contract Value to zero. If your Contract Value reduces to zero during the Income Period for any reason other than an Excess Withdrawal or annuitization that does not convert your Income Payments to Annuity Payments, you will continue to receive your maximum available Income Payment at the previous selected payment frequency until the earlier of the death of the Owner or last surviving Covered Person. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you select Increasing Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> you can continue to receive payment increases based on Index Option performance. However, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">if you select Level Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> your Income Payments will no longer increase.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We deduct each Income Payment, Excess Withdrawal, and any additional payment resulting from a required minimum distribution, proportionately from the Index Options to which you are allocated. While the Contract Value is positive, you can make transfers between the Index Options and execute Performance Locks and Early Reallocations. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you select Increasing Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> once the Contract Value reduces to zero, you can continue to change your Index Option allocations and execute Performance Locks and Early Reallocations as long as the Income Benefit is in effect. With Increasing Income, we base changes to your annual maximum Income Payment on the proportion of Contract Value in each Index Option at the end of the last Business Day that your Contract Value is positive. However, you can change the proportion of each Index Option that we use to calculate these changes after the Contract Value is equal to zero by providing an authorized request to our Service Center.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:62pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">For Qualified Contracts:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If we calculate a required minimum distribution (RMD) based on this Contract, after </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">making all Income Payments for the calendar year we determine whether this calendar year’s total RMD has been </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">satisfied by these payments and any Excess Withdrawals. If the RMD amount for this Contract has not been satisfied, </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">we send you this remaining amount as one RMD payment by the end of the calendar year. We consider this payment </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">to be a withdrawal, but it is not an Excess Withdrawal and it is not subject to an MVA.</span></div> </div> </td> </tr> <tr style="height:72pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">For annuitization:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If on the Annuity Date you are receiving Income Payments and your Contract Value is positive, </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">we will convert your Income Payments to Annuity Payments if you take Annuity Payments under Annuity Option B </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">or F. If you select any other Annuity Option, we will not convert your Income Payments to Annuity Payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">This </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">means that if you annuitize your Contract you may receive less as Annuity Payments than you would have </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">received as Income Payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> For more information, see section 9, The Annuity Phase – When Annuity Payments </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Begin.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Lifetime Income Percentage Calculation Example</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Assume you are the sole Owner, you are not married, and your initial Purchase Payment is $20,000. You only select 1-year Term Index Options. You are not married, so you are also the only Eligible Person. The Income Payment waiting period is three Index Years. On the Index Effective Date you are age 54, your Income Percentage Increase is 0.25%, and your initial Lifetime Income Percentages are equal to the Income Percentages for single payments, which are 4.20% for Level Income, and 3.20% for Increasing Income. You take no withdrawals before requesting Income Payments.</span></div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the first Index Anniversary, we apply your first Income Percentage Increase. Your new Lifetime Income Percentages for single payments are 4.45% (4.20% + 0.25%) if you elect Level Income and 3.45% (3.20% + 0.25%) if you elect Increasing Income.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Assume you make an additional Purchase Payment of $2,000 in the fourth Index Year. On the fourth Index Anniversary:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">you are age 58 and the Income Percentages are 4.60% for Level Income, and 3.60% for Increasing Income,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Variable Account Value for the additional Purchase Payment is now $2,002.50, and</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Contract Value after application of the additional Purchase Payment, Performance Credits and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">before</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> deducting all Contract fees and expenses is $25,000.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate your new Lifetime Income Percentages for single payments on the fourth Index Anniversary as follows.</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lifetime Income Percentages for the initial Purchase Payment are now 5.20% (4.20% + (0.25% x 4)) if you elect Level Income and 4.20% (3.20% + (0.25% x 4)) if you elect Increasing Income.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lifetime Income Percentages for the additional Purchase Payment are 4.60% for Level Income and 3.60% for Increasing Income.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Variable Account Value’s percentage of total Contract Value is 8.01% ($2,002.50 ÷ $25,000), which means the initial Purchase Payment is 91.99% of total Contract Value (100% - 8.01%).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The final Lifetime Income Percentages on the fourth Index Anniversary are then:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">if you elect Level Income: (5.20% x 91.99%) + (4.60% x 8.01%) = 4.78% + 0.37% = 5.15%</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">if you elect Increasing Income: (4.20% x 91.99%) + (3.60% x 8.01%) = 3.86% + 0.29% = 4.15%</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you begin Income Payments on the fourth Index Anniversary, we calculate the annual maximum Income Payment as follows.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Level Income, you receive the greater of….</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Increasing Income, you receive…</span></div> </div> </td> </tr> <tr style="height:61.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Level Income Guarantee Payment Percentage multiplied by </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">total Purchase Payments reduced proportionately for </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals you took, or: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2.71% x $22,000) = $596.20</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Lifetime Income Percentage multiplied by the Contract Value, </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (5.15% x $25,000) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,287.50</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Lifetime Income Percentage multiplied by the Contract Value, </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (4.15% x $25,000) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,037.50</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you select Level Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we apply the Level Income Guarantee Payment Percentage in this calculation because you were 75 or younger when you purchased the Contract and are age 80 or younger on the Income Benefit Date. On the Income Benefit Date, your Level Income Guarantee Payment Percentage based on your current age of 58 is 2.71%, and your total Purchase Payments reduced proportionately for withdrawals is $22,000 (your $20,000 initial payment plus the $2,000 we received in the fourth Index Year). The annual maximum Income Payment calculation and Level Income Guarantee Payment Percentage are discussed in “Calculating Your Income Payments” next in this section.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you had not made the additional Purchase Payment your Lifetime Income Percentages would have been higher (5.20% compared to 5.15% for Level Income, and 4.20% compared to 4.15% for Increasing Income), but the available annual maximum Income Payment would be lower because the Contract Value would not include the increase from the additional Purchase Payment. If you had not made the additional Purchase in the fourth Index Year, your Contract Value would have been $22,997.50 ($25,000 - $2,002.50) and we calculate your annual maximum Income Payment as follows.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Level Income, you receive the greater of….</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Increasing Income, you receive…</span></div> </div> </td> </tr> <tr style="height:61.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Level Income Guarantee Payment Percentage multiplied by </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">total Purchase Payments reduced proportionately for </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals you took, or: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2.71% x $20,000) = $542.00</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Lifetime Income Percentage multiplied by the Contract Value, </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (5.20% x $22,997.50) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,195.87</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Lifetime Income Percentage multiplied by the Contract Value, </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (4.20% x $22,997.50) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$965.90</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Example of when the Level Income Guarantee Payment Percentage may increase the initial Income Payment</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Assume you are the sole Owner, you are not married, and your initial Purchase Payment is $100,000. You are age 65 on the Index Effective Date and your initial Income Percentage under Level Income is 5.70% with a 0.40% Income Percentage Increase. You take no withdrawals before requesting Income Payments. You begin Income Payments on the </span></div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">fifth Index Anniversary and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">select the Level Income payment option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. On the Income Benefit Date you are age 70, your Lifetime Income Percentage is 7.70% and your Level Income Guarantee Payment Percentage is 4.00%.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <div style="line-height:0.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">When it </span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">increases</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> the initial Income Payment</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">When it does </span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> increase the initial Income Payment</span></div> </div> </td> </tr> <tr style="height:85.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Assume your Contract Value decreases to $50,000 due to </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative performance. You would receive the greater of:</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Level Income Guarantee Payment Percentage multiplied </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">by total Purchase Payments reduced proportionately for </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">withdrawals you took, or: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(4.00% x $100,000) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$4,000.00</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lifetime Income Percentage multiplied by the Contract </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Value, or: (7.70% x $50,000) = $3,850.00</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Assume your Contract Value decreases to $70,000 due to </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative performance. You would receive the greater of:</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Level Income Guarantee Payment Percentage multiplied </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">by total Purchase Payments reduced proportionately for </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">withdrawals you took, or: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(4.00% x $100,000) = $4,000.00</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lifetime Income Percentage multiplied by the Contract </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Value, or: (7.70% x $70,000) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$5,390.00</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Please note that these examples may differ from your actual results due to rounding.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Excess Withdrawals</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess Withdrawals do not include RMD payments, or deductions we make for Contract fees, expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. Excess Withdrawals are subject to an MVA. Any partial Excess Withdrawal must be for at least $100, and, after the partial Excess Withdrawal, the Contract Value must be at least $2,000. If the Contract Value is less than $2,000, you cannot request a partial Excess Withdrawal, but you can take a full Excess Withdrawal. If a partial Excess Withdrawal reduces the Contract Value to less than $2,000, we require you to take a full Excess Withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">A full Excess Withdrawal will cause Income Payments to stop and the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;text-decoration:underline;">and all of its benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;"> to end. We will not provide a warning before you take an Excess Withdrawal, and there will be no opportunity to undo an Excess Withdrawal.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess Withdrawals reduce your annual maximum Income Payment on the next Income Benefit Anniversary after the withdrawal. For each Excess Withdrawal, we reduce your annual maximum payment by the same percentage that we reduced the Contract Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If partial Excess Withdrawals reduce your annual maximum Income Payment to less than $100, we send you the Cash Value, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">which will cause Income Payments to stop and the Contract to end.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Excess Withdrawal Example</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These calculations show the effects of an Excess Withdrawal on the Contract Value, Cash Value, available Guaranteed Death Benefit Value, and Income Payments. Partial Excess Withdrawals (including any MVA, but not deductions we make for Contract fees, expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract) immediately reduce the Contract Value and Cash Value on a dollar for dollar basis, and reduce the Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn. Partial Excess Withdrawals also reduce the annual maximum Income Payment by the percentage of Contract Value withdrawn on the next Income Benefit Anniversary. (The impact of withdrawals, including Excess Withdrawals, on the Charge Base is included in Appendix D - Annual Contract Fees Calculation Examples.)</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The example assumes you do not authorize your Financial Professional’s firm to receive investment advisory fees deducted from your Contract, and instead take a $1,500 Excess Withdrawal and use that money to pay investment advisory fees to your Financial Professional when the Contract Value is $100,000, the Cash Value is $97,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000, or $105,000 under the Maximum Anniversary Value Death Benefit. It also assumes the $1,500 Excess Withdrawal is subject to an MVA of -$100. Cash Value reflects the MVA we apply on a full withdrawal. Therefore the Cash Value in this example is only reduced for the $1,500 Excess Withdrawal </span></div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">because the -$100 MVA is already reflected in the $97,000 Cash Value. All fractional numbers in these examples have been rounded up to the next whole number.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <div style="line-height:0.0pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:51pt;"> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:79.61pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.51%;margin-right:3.77%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Excess</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:42.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:7.06%;margin-right:7.06%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:7.91%;margin-right:7.91%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cash</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.56%;margin-right:2.56%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value for a Contract with the</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Traditional Death Benefit</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:130.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.30%;margin-right:2.30%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for a Contract with the</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Benefit</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:86.3pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:3.48%;margin-right:2.32%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Next anniversary’s</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">annual maximum</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Income Payment</span></div> </div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 97,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 4,800</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$1,500 withdrawal</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,500</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,500</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($1,500 ÷ 100,000)</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($1,500 ÷ 100,000)</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($1,500 ÷ 100,000)</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 90,000)] = - $1,350</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 105,000)] = - $1,575</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 4,800)] = - $72</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">-$100 MVA</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– $100</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($100 ÷ 100,000)</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($100 ÷ 100,000)</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($100 ÷ 100,000)</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 90,000)] = - $90</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 105,000)] = - $105</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 4,800)] = - $5</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,600</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,500</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $1,440</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $1,680</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $77</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="vertical-align:Top;width:79.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:42.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:37.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:130.7pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:86.3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:11.5pt;"> <td style="padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After withdrawal</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 98,400</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 95,500</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 88,560</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 103,320</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 4,723</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit is the greatest of the Contract Value, Cash Value, or the Guaranteed Death Benefit Value. After the withdrawal and MVA, the death benefit would either be the $98,400 Contract Value under the Traditional Death Benefit (because it is greater than the Guaranteed Death Benefit Value of $88,560), or the $103,320 Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Automatic Annual Income Payment Increases</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you select Level Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the annual maximum Income Payment can only decrease if you take an Excess Withdrawal. However, if you took the maximum permitted payment during the prior Income Benefit Year, we increase your annual maximum Income Payment if your Contract Value increases from one Income Benefit Anniversary (or the Income Benefit Date if this is the first Income Benefit Anniversary) to the next. This increase is equal to the percentage of growth between these two Contract Values. For example, if the Contract Value increased by 1.5%, we also increase your annual maximum Income Payment by 1.5%.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">When calculating this payment increase, we use the Contract Value determined at the end of the Business Day after we apply any Performance Credits (or Daily Adjustment if the Index Anniversary is not a Term End Date) and we deduct Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract, but before we make any Income Payments or deduct Excess Withdrawals taken on this Index Anniversary. If the Income Benefit Date or an Income Benefit Anniversary does not occur on a Business Day, we use Contract Values from the next Business Day.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lifetime Income Percentages on the Income Benefit Date generally will be higher with Level Income, as compared with Increasing Income. However, subsequent payment increases are less likely with Level Income, as compared with Increasing Income, especially in later Income Benefit Years. This is because only the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are available once Income Payments are selected, and those two Crediting Methods may have lower return potential compared to other Crediting Methods. If Index Option performance is less than the total withdrawals, including Income Payments, Excess Withdrawals and deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract, taken in an Index Year, there will be no increase in the annual maximum Income Payment for the Index Year under Level Income.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For example, if you took the maximum permitted payment during the prior Income Benefit Year and you receive Performance Credits of 2.5% on an Index Anniversary, but the deductions for Income Payments and Excess Withdrawals taken during the prior Index Year, and deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract both in the prior Index Year and on the current Index Anniversary reduce your Contract Value by -6.8% you will not receive a payment increase under Level Income.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If we increase the Contract Value to equal the death benefit due to a spousal continuation of the Contract during the last </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Benefit Year, we also subtract the amount of this increase from the Contract Value on the next Income Benefit </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary when determining annual payment increases under the Level Income payment option.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you select Increasing Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the available annual maximum Income Payments will increase on each Income Benefit Anniversary if your selected Index Option(s) receives a Performance Credit, or if you executed a Performance Lock on an increased Index Option Value at any time during the prior Income Benefit Year. Any Index Options that did not receive a Performance Credit and were not locked during the prior Income Benefit Year will not affect the annual maximum Income Payment on the current Income Benefit Anniversary.</span></div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you select multiple Index Options, we take the weighted average of all Performance Credits, and locked increased Index Option Values based on the percentage of total Index Option Base in each of your selected Index Options to determine your payment increase as indicated in the example below. When calculating this payment increase, we use the Index Option Base determined at the end of the Business Day </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">before</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we apply any daily transactions (increases for Performance Credits or Daily Adjustments; deductions for Income Payments, Excess Withdrawals, Contract fees and expenses, or investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract; or processing any Early Reallocations or transfers).</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Index Options where a Performance Lock was </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> executed during the prior Income Benefit Year we use the percentage of total Index Option Base in each of these Index Options on the Income Benefit Anniversary. If the Income Benefit Anniversary does not occur on a Business Day, we use the Index Option Base from the next Business Day.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Index Options where a Performance Lock </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">was</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> executed during the prior Income Benefit Year we use the percentage of Index Option Base in each of these Index Options on the Business Day the Index Option is reallocated or transferred.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Payment increases can continue even if your Contract Value reduces to zero, or if you convert Income Payments to Annuity Payments as described in section 9, The Annuity Phase – When Annuity Payments Begin.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you selected multiple Index Options, we take the weighted average of all Performance Credits, and locked Daily Adjustments using the percentage of Contract Value in each Index Option either at the end of the prior Business Day before your Contract Value reduced to zero, or at the end of the Business Day on the Annuity Date if you convert Income Payments to Annuity Payments.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.0pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We determine this Contract Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">after</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we apply any Daily Adjustments (if this day is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> a Term End Date) or Performance Credits (if this day </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">is</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> a Term End Date), and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">after</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we deduct any Income Payment, Excess Withdrawal, Contract fees and expenses, or investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can change the proportions that we use to calculate this weighted average by submitting an authorized request to our Service Center.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Example of Increasing Income Payment Increases</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Assume your Contract Value is $100,000 and you allocate 20% to the Index Protection Strategy with Trigger using the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index and 80% to the Index Protection Strategy with the Cap using the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> on the Income Benefit Date.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the first Income Benefit Anniversary, the Index Protection Strategy with Trigger Index Option receives a 3.5% Performance Credit and the Index Protection Strategy with the Cap Index Option receives a 4.2% Performance Credit. On this anniversary, before we apply daily transactions, 20% of your total Index Option Base is in the Index Protection Strategy with Trigger Index Option, and 80% of your total Index Option Base is in Index Protection Strategy with the Cap Index Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your annual maximum Income Payment on the first Income Benefit Anniversary will increase by 4.06% ((3.5% x 20%) + (4.2% x 80%)).</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please see Appendix E for an example of how we calculate an automatic Income Payment increase if you execute a Performance Lock and Early Reallocation.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Income Multiplier Benefit</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Multiplier Benefit can increase the annual maximum Income Payment if you:</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">begin confinement after the first Contract Anniversary in an eligible facility (a hospital, nursing facility, or assisted living facility) for at least 90 days in a 120-day period, or</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">are unable to perform at least two of six activities of daily living (ADLs) for at least 90 consecutive days. ADLs include bathing, dressing, toileting, continence, eating, and transferring (moving into or out of a bed, chair, or wheelchair).</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We must receive proof of your staying in an eligible facility or ADL eligibility before we multiply your annual maximum Income Payment by the income multiplier factor stated in the Income Benefit Supplement. For ADL eligibility we may require, at our expense, an examination or tests by a physician of our choice. To continue receiving this increase each Income Benefit Year, you must reestablish eligibility.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Multiplier Benefit is not available before the Income Benefit Date, or before expiration of the income multiplier benefit wait period stated in the Income Benefit Supplement. In addition, a Covered Person cannot establish eligibility for this benefit more than one Index Year before the Income Benefit Date. Increased Income Payments based on staying in an eligible facility are not available before the first Contract Anniversary. To qualify for a payment increase based on performance of ADLs, a Covered Person must have been able to perform each of these six ADLs without substantial assistance on the Issue Date. If you chose to take less than the annual maximum Income Payment and then qualify for a payment increase under the Income Multiplier Benefit, we will increase your Income Payments to the available annual maximum before applying the payment increase.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Example</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Assume you elect to receive the maximum available payment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">under the Level Income payment option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, your annual maximum Income Payment is $10,000, the income multiplier factor is 2, and the income multiplier benefit wait period is five Contract Years. After the fifth Contract Anniversary you suffer an illness and can’t perform two of the six ADLs. At the time of your illness, your annual maximum Income Payment is still $10,000 and your Contract Value is positive. After we confirm your benefit eligibility with your physician, we increase your annual maximum Income Payment as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(income multiplier factor) x (annual maximum Income Payment) = 2 x $10,000 = $20,000</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">This increase will allow you to receive up to $20,000 as an Income Payment for this Income Benefit Year, and the next Income Benefit Year. However, in the next Income Benefit Year your health improves and you are not able to reestablish benefit eligibility for the following Income Benefit Year. So on the second Income Benefit Anniversary after we increased your payment, we decrease your annual maximum Income Payment as follows:</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(annual maximum Income Payment) ÷ (income multiplier factor) = $20,000 ÷ 2 = $10,000</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Income Multiplier Benefit Ends</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Income Multiplier Benefit ends on the earliest of the following.</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuity Date.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit Anniversary that occurs on or immediately after the date the Contract Value is reduced to zero.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day the Income Benefit ends.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day the Contract ends.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Taxation of Income Payments</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We treat Income Payments as withdrawals for tax purposes while your Contract Value is positive, and once your Contract Value is reduced to zero we intend to treat Income Payments as Annuity Payments for tax purposes. For more information, see section 13, Taxes – Taxation of Income Payments.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Income Period Ends</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Period ends on the earlier of the last Business Day before the Annuity Date, or the date the Income Benefit ends. Income Payments can continue for the life of the Covered Person(s) if you do not take more than your allowed annual maximum payment.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Income Benefit Ends</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Income Benefit ends on the earliest of the following.</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day all Eligible Persons or Covered Persons are removed from the Contract because they no longer meet the requirements (Owner, Annuitant or sole Beneficiary) stated in section 2. If this occurs after the Income Benefit Date, Income Payments stop when the last Covered Person is removed from the Contract.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Anniversary upon which the younger Eligible Person reaches age 100 if it occurs before the Income Benefit Date.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day we process your request for a full withdrawal, other than a full withdrawal caused by an Income Payment.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit Date or an Income Benefit Anniversary if the annual maximum Income Payment is less than $100.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we first receive a Valid Claim from any one Beneficiary. However, if a federally recognized spouse is an Eligible Person or Covered Person and continues this Contract, the Income Benefit also continues.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Accumulation Phase and before the Income Benefit Date, the Income Benefit ends on the date of death of the last surviving Eligible Person.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Income Period, the Income Benefit ends on the date of death of the last surviving Covered Person.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day the Contract ends.</span></div></div> </div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;text-align:left;width:489pt;"><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If we receive notice of death of a Covered Person during the Income Period, we will suspend Income Payments and the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Benefit will end as described above. However, if a federally recognized spouse who is also a joint Covered </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Person continues this Contract, we will resume Income Payments and add any Income Payments that we would have </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paid between the time we suspended Income Payments and when they resume future Income Payments.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:13.0pt;margin-top:16pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:16.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">12.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Death Benefit</span></div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">“You” in this section refers to the Owner, or the Annuitant if the Contract is owned by a non-individual.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract provides the Traditional Death Benefit, the standard death benefit, for no additional charge. If available, you can instead select the optional Maximum Anniversary Value Death Benefit at Contract issue for an additional rider fee if all Owners and the Annuitant are age 75 or younger. The Maximum Anniversary Value Death Benefit can only be added to a Contract at issue. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Maximum Anniversary Value Death Benefit cannot be less than the Traditional Death Benefit, but they may be equal. Please discuss this benefit’s appropriateness with your Financial Professional.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The death benefit is the greatest of the Contract Value, Cash Value, or Guaranteed Death Benefit Value. The Guaranteed Death Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any MVA) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. </span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The death benefit is only available during the Accumulation Phase (and Income Period, if applicable).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If you or the Determining Life (Lives) die during the Accumulation Phase, we process the death benefit using prices determined after we receive the required information, which is either a Valid Claim or due proof of death as stated here. (For information on due proof of death see the Glossary – Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next Business Day’s prices.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If there are multiple Beneficiaries, each Beneficiary receives the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary’s interest in this Contract ends unless your Beneficiary designation specifies otherwise. If there are no remaining Beneficiaries, or no named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless you instruct us to pay Beneficiaries a specific percentage of the death benefit, each Beneficiary receives an equal share.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Beneficiary’s portion of the death benefit remains in the Index Options based on the allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate allocation instructions. If there is Variable Account Value in the Variable Option on the date of death, it remains there until the next Index Anniversary. If an Index Anniversary occurs before we receive a Valid Claim, we will transfer that Beneficiary’s portion of the Variable Account Value to the Index Options based on the allocation instructions that were in effect on the date of death.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">From the time we determine the death benefit until we make a complete distribution, any amount in the Investment Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may no longer accept or process transfer requests. After we receive the first Valid Claim from any Beneficiary, we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax law.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the first death of a Determining Life during the Accumulation Phase, if your selected death benefit is in effect, your Beneficiary(ies) will receive the greatest of the Contract Value, Cash Value (which on death is the Contract Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">after</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">application of any MVA), or Guaranteed Death Benefit Value. A positive MVA will increase the death benefit if Cash Value is greater than the Guaranteed Death Benefit Value. However, if the MVA is negative the death benefit will be the greater of Contract Value (without adjustment for the negative MVA), or the Guaranteed Death Benefit Value. The </span></div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Guaranteed Death Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any MVA) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. For example, assume total Purchase Payments are $90,000, you take no withdrawals, the highest Contract Value on any Index Anniversary (the Maximum Anniversary Value) is $105,000, the current Contract Value is $100,000, and the Cash Value is $97,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value, and for the Maximum Anniversary Value Death Benefit it is the $105,000 Maximum Anniversary Value.</span></div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the date we are determining the death benefit is not the Term End Date, the Contract Value reflects the Daily Adjustment. Withdrawals you take reduce your Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn (including any MVA), determined at the end of each Business Day. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">All withdrawals you take reduce the Guaranteed Death Benefit Value, Contract Value, and Cash Value, even MVA-Free Withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees, expenses, or investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">These deductions will, however, decrease the Contract Value and Cash Value by the dollar amount withdrawn and may reduce the likelihood of receiving increases to the Maximum Anniversary Value. In addition, because the death benefit is the greatest of Contract Value, Cash Value or the Guaranteed Death Benefit Value, deductions we make for Contract fees, expenses, and authorized investment advisory fees may reduce the death benefit available to your Beneficiaries.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Examples of the impact of deductions for investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract on the death benefit are included in section 1. The impact of an Excess Withdrawal on the death benefit is included in section 11.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Maximum Anniversary Value</span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Maximum Anniversary Value is initially equal to the Purchase Payment received on the Issue Date. At the end of each Business Day, we adjust the Maximum Anniversary Value as follows.</span></div> </div> <div> <div style="clear:both;margin-top:2.0pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We increase it by the dollar amount of any additional Purchase Payments.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.0pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We reduce it by the percentage of any Contract Value you withdraw (including any MVA).</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Effective Date occurs after the Issue Date, the Maximum Anniversary Value on the Index Effective Date is calculated in the same way as on an Index Anniversary.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each Index Anniversary before the end date (or on the next Business Day if the Index Anniversary is not on a Business Day) the Maximum Anniversary Value is equal to the greater of:</span></div> </div> <div> <div style="clear:both;margin-top:2.0pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">its current value after processing any additional Purchase Payments, or withdrawals you take (including any MVA), or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.0pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Contract Value determined at the end of the Business Day after we process all daily transactions including Performance Credits, any additional Purchase Payments, withdrawals you take including any MVA, and deductions we make for Contract fees, expenses, and investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. Contract Value reflects the Daily Adjustment for an Index Option for which this anniversary is not a Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Negative Index Option performance, withdrawals you take, and deductions we make for Contract fees, expenses, and investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract decrease the Contract Value and may reduce the likelihood of receiving increases to the Maximum Anniversary Value.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On and after the end date, we no longer make this comparison and we no longer capture any annual investment gains in the Maximum Anniversary Value.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The end date occurs on the earliest of:</span></div> </div> <div> <div style="clear:both;margin-top:2.0pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the older Determining Life’s 91</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> birthday, or</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.0pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the end of the Business Day we receive the first Valid Claim from any one Beneficiary.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Example of the Maximum Anniversary Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6.0pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="empty-cells:show;margin-left:110.92pt;width:272.15pt; border-spacing: 0px;"> <tr style="height:10.75pt;"> <td style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Bottom;width:84.81pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> </span></div> </div> </td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:69.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.60%;margin-right:8.60%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract Value</span></div> </div> </div> </td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:117.56pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:5.10%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</span></div> </div> </div> </td> </tr> <tr style="height:12.75pt;"> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">95,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">4</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 120,000</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 120,000</span></div> </div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the Issue Date the Maximum Anniversary Value is equal to the initial Purchase Payment of $100,000.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversary the Contract Value is greater than the Maximum Anniversary Value, so the Maximum Anniversary Value increases to equal the Contract Value of $110,000.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the 2</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and 3</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversaries the Contract Value is less than the Maximum Anniversary Value, so we neither increase nor decrease the Maximum Anniversary Value. The Maximum Anniversary Value will stay at $110,000 until the Contract Value on an Index Anniversary is greater than this amount or you make an additional Purchase Payment (either of which will increase the Maximum Anniversary Value), or you take a withdrawal (which will decrease the Maximum Anniversary Value).</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the 4</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversary the Contract Value is greater than the Maximum Anniversary Value, so the Maximum Anniversary Value increases to equal the Contract Value of $120,000.</span></div></div> </div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;text-align:left;width:489pt;"><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:14pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">During the Income Period:</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">You cannot make additional Purchase Payments. If your Contract includes the Traditional Death Benefit this means </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">the Guaranteed Death Benefit Value no longer increases.</span></div> </div> </td> </tr> <tr style="height:60pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Index Dual Precision Strategy, Index Precision Strategy, Index Performance Strategy, and Index Guard Strategy are </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">no longer available. This may limit your Contract’s performance potential and the Guaranteed Death Benefit Value if </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">your Contract includes the Maximum Anniversary Value Death Benefit. Income Payments and Excess Withdrawals </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">also decrease your Contract Value, which also reduces the likelihood of locking in investment gains to the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Guaranteed Death Benefit Value if your Contract includes the Maximum Anniversary Value Death Benefit.</span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Each Income Payment and any Excess Withdrawal reduces the Guaranteed Death Benefit Value by the percentage of </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Contract Value withdrawn (including any MVA)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">, which means this value may be reduced by more than the amount </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">withdrawn</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Taking Excess Withdrawals may also cause your selected death benefit to end prematurely.</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">What Happens Upon Death?</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you are the Determining Life, or if you and the Determining Life (Lives) are different individuals and die within 120 hours of each other, we determine the Guaranteed Death Benefit Value at the end of the Business Day we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the:</span></div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Guaranteed Death Benefit Value determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary,</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract Value determined at the end of the Business Day during which we receive his or her Valid Claim, or</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cash Value determined at the end of the Business Day during which we receive his or her Valid Claim.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-left:14pt;margin-top:7pt;text-align:left;"> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In this instance, if the Beneficiary:</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is a surviving spouse and chooses to continue the Contract;</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">selects death benefit payment Option B; or</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div></div> <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">selects death benefit payment Option C and takes payment over a period not extending beyond the Beneficiary’s life expectancy;</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-left:14pt;margin-top:7pt;text-align:left;"> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and the Contract Value is less than the Cash Value or Guaranteed Death Benefit Value, we increase the Contract Value to equal the greatest of these amounts when we receive a Valid Claim.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you and the Determining Life (Lives) are different individuals and do not die within 120 hours of each other, the death benefit is as follows. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">This can only occur if you change the Owner after the Issue Date.</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If a Determining Life dies before you, we do not pay a death benefit to the Beneficiary(ies), but we may increase the Contract Value if the Traditional Death Benefit or Maximum Anniversary Value Death Benefit are still in effect</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. At the end of the Business Day we receive due proof of a Determining Life’s death, if the Contract Value is less than the Cash Value or Guaranteed Death Benefit Value, we increase the Contract Value to equal the greatest of these amounts, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">and your selected death benefit ends</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon your death, your Beneficiary(ies) receive the greater of Contract Value or Cash Value determined at the end of the Business Day during which we receive each Beneficiary’s Valid Claim.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, if we increase the Contract Value to equal the Guaranteed Death Benefit Value or Cash Value, we allocate this increase to the Variable Option. On the next Index Anniversary we transfer the Variable Account Value to the Index Options according to the allocation instructions.</span></div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Traditional Death Benefit and Maximum Anniversary Value Death Benefit end upon the earliest of the following:</span></div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day before the Annuity Date.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day that the Guaranteed Death Benefit Value and Contract Value are both zero.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individual, or if you and the Determining Life (Lives) are different individuals and die within 120 hours of each other.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, the end of the Business Day we receive due proof of the Determining Life’s death if you and the Determining Life (Lives) are different individuals and do not die within 120 hours of each other.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2.0pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining Life.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day the Contract ends.</span></div></div> </div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;text-align:left;width:489pt;"><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:26pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We base the Guaranteed Death Benefit Value on the first death of a Determining Life (or Lives). This means that upon </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the death of an Owner (or Annuitant if the Owner is a non-individual), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">if a surviving spouse continues the Contract:</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">the Guaranteed Death Benefit Value is no longer available, and</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">if you selected the Maximum Anniversary Value Death Benefit, we no longer assess its 0.20% rider fee.</span></div> </div> </td> </tr> <tr style="height:30pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Also, if you and the Determining Life (Lives) are different individuals and you die first, the Guaranteed Death Benefit </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Value is not available to your Beneficiary(ies).</span></div> </div> </td> </tr> </table> </div> <div style="line-height:12.0pt;margin-top:12pt;text-align:left;"> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death of the Owner and/or Annuitant</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The SAI includes tables that are intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different phases of the Contract.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death Benefit Payment Options During the Accumulation Phase</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Beneficiary must select one of the death benefit payment options listed below.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Beneficiary requests a lump sum payment under Option A, we pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state forms.</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Spousal Continuation:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the Beneficiary is the deceased Owner’s spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own name. For an IRA, Roth IRA, or SEP IRA Contract, spousal continuation can only occur if the surviving spouse is the Contract’s sole primary Beneficiary. For Qualified Contracts purchased through a qualified plan, spousal continuation is only available through a direct rollover to an IRA. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Spouses must qualify as such under federal law to continue the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Individuals who have entered into a registered domestic partnership, civil union, or other similar relationship that is not considered to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on the death claim form before we pay the death benefit. If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim, if the Contract Value is less than the Cash Value or Guaranteed Death Benefit Value (if available), we increase the Contract Value to equal the greatest of these amounts, and your selected death benefit (either the Traditional Death Benefit or the Maximum Anniversary Value Death Benefit) ends. If the surviving spouse continues the Contract:</span></div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">he or she becomes the new Owner and may exercise all of the Owner’s rights, including naming a new Beneficiary or Beneficiaries;</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">he or she is subject to any remaining MVA period; and</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div> <div style="clear:both;margin-top:2pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div></div> <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">upon the surviving spouse’s death, their Beneficiary(ies) receive the Contract Value determined at the end of the Business Day during which we receive a Valid Claim from each Beneficiary.</span></div></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death Benefit Payment Options</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following applies to Non-Qualified Contracts. Different rules may apply to Qualified Contracts. For more information, please see section 13, Taxes – Distributions Upon the Owner’s Death (or Annuitant’s Death if the Owner is a Non-Individual).</span></div> </div> <div style="line-height:12.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option A:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Lump sum payment of the death benefit.</span></div> </div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option B:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Payment of the entire death benefit within five years of the date of any Owner’s death. The Beneficiary can continue to make transfers between Index Options and is subject to the product fee.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option C:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the Beneficiary is an individual, payment of the death benefit as Annuity Payments under Annuity Options A, B, or C. If you take the death benefit as Annuity Payments, we do not require that the Annuity Date occur on an Index Anniversary. With our written consent other options may be available for payment over a period not extending beyond the Beneficiary’s life expectancy under which the Beneficiary can continue to make transfers between Index Options and is subject to the product fee.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Distribution from Non-Qualified Contracts under Option C must begin within one year of the date of the Owner’s death. Any portion of the death benefit from Non-Qualified Contracts not applied to Annuity Payments within one year of the date of the Owner’s death must be distributed within five years of the date of death.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Non-Qualified Contract is owned by a non-individual, then we treat the death of an Annuitant as the death of an Owner for purposes of the Code’s distribution at death rules, which are set forth in Section 72(s) of the Code.</span></div> </div> <div style="line-height:10.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In all events, notwithstanding any provision to the contrary in the Contract or this prospectus, a Non-Qualified Contract is interpreted and administered in accordance with Section 72(s) of the Code.</span></div> </div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:171pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Privilege</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw up to 10% of your total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annual Contribution Amounts each Index Year </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">without incurring an MVA.</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available during the Income Period.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available upon a full withdrawal.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Upon a full withdrawal, an MVA may apply </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">against amounts previously withdrawn under </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the free withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Unused free withdrawal amounts not </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available in future years.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes, and may also be subject to a 10% </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional federal tax for amounts withdrawn </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before age 59 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> </div> </td> </tr> <tr style="height:189.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to automatically take withdrawals to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">satisfy the required minimum distribution </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">requirements (RMD) imposed by the Internal </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Revenue Code.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available to IRA or SEP IRA Contracts.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals count against the free </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be monthly, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">quarterly, semi-annual or annual, unless you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">have less than $25,000 in Contract Value, in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">which case only annual payments are </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We reserve the right to discontinue or modify </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the program subject to the requirements of </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">law.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:398.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Advisory Fees</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We designed the Contract for persons who are </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">receiving ongoing investment advice from a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Financial Professional. You can instruct us to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">automatically withdraw investment advisory </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees from your Contract to pay your Financial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Professional’s firm.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Investment advisory fees are in addition to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Contract’s fees and expenses.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If you and your Financial Professional do not </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">agree to our requirements we will not pay </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">investment advisory fees from this Contract </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">to your Financial Professional’s firm.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Our requirements limit investment advisory </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">fee withdrawals to 1.5% of Contract Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each Contract Year, require the fees to be </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">solely for advisory services provided with </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">respect to the Contract, and require the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract to be the sole source of payment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Deductions we make for investment advisory </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">fees reduce your Contract Value (and </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">therefore Cash Value) dollar for dollar by the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amount withdrawn. This Contract Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reduction also decreases your initial annual </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">maximum Income Payment which is based </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">on Contract Value. As Contract Value is one </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">of the components we use to calculate RMD </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">payments, these deductions may also reduce </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">your RMD payments. These deductions also </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reduce the following proportionately by the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">percentage of Contract Value withdrawn: </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Charge Base, Index Option Base, Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Option Value, and Variable Account Value. </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">For more information regarding the impact of </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">paying advisory fees with money in the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract, including an example of how </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">deduction of investment advisory fees </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">impacts the Contract, see section 1, The </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract – Investment Advisory Fees.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:585.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Income</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed lifetime withdrawal benefit </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">providing for yearly Income Payments until the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death of the Covered Person(s) if conditions </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">are satisfied.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We base the initial Income Payment on the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lifetime Income Percentage and Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value. If you choose the Level Income payment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">option and meet the age requirements stated in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 11, we guarantee your initial annual </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">maximum Income Payment will be at least the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Level Income Guarantee Payment Percentage </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">multiplied by your total Purchase Payments </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">adjusted for withdrawals.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The automatic annual payment increase </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">feature may increase payments after the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Benefit Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you elect Level Income, payments increase if </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value increases from one Income </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Anniversary to the next and you took </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the maximum permitted payment during the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">prior Income Benefit Year.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Includes the Income Multiplier Benefit for no </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">additional charge that can increase income to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">help pay for needed care.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Section 11 includes examples of the Lifetime </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Percentage Calculation, Excess </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawals, Income Payment increases, and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Income Multiplier Benefit.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.70%</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">(as a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">percentage of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">the Charge </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Base)</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">This rider fee </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">is part of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">Base Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">Expenses in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">the Fee </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">Tables.</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit cannot be removed from the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• See the Income Benefit Supplement for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">current terms. Please see Appendix F for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">historical information on the terms for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">previous versions of the Income Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit only available during the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Investment restrictions limit available Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options during Income Period.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Income Period cannot begin until after the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">waiting period and reaching age 50. Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Period must begin no later than age 100.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Early and Excess Withdrawals may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">significantly reduce or end the benefit as </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">indicated in section 11.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">A full Excess Withdrawal and certain </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">partial Excess Withdrawals will cause </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Income Payments to stop and the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Contract </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">and all of its benefits</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> to end.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• On the Income Benefit Date, we execute </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Locks on Index Options for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">which this day is not a Term End Date, and in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">such case the Index Option Value will be </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">subject to the Daily Adjustment. We then </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reallocate the total Contract Value, including </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amounts in the Variable Option, into the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Protection Strategy with Trigger and/or </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Protection Strategy with Cap Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options according to allocation instructions </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you provide, and begin your Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Income Payments are subject to income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes, and may also be subject to a 10% </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional federal tax for amounts withdrawn </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before age 59 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• No additional Purchase Payments during the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Period.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• No Income Percentage Increase before age </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">45.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Availability of joint Income Payments is </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">subject to age restrictions.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Income Multiplier Benefit is not available </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in all states as indicated in Appendix G.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Must establish eligibility to exercise the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Multiplier Benefit (e.g., that you are </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">confined for care or unable to perform two </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">activities for daily living) and must </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">re-establish eligibility each year thereafter.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">but you may be able to annuitize your annual </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">maximum Income Payment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• State variations may apply.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:163.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greatest </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Contract Value, Cash Value, or </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed Death Benefit Value. The </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed Death Benefit Value is total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments adjusted for withdrawals.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of the death benefit provided by </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Traditional Death Benefit is included in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 12, Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of how deduction of investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">advisory fees impact the death benefit is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 1.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The impact of an Excess Withdrawal on the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death benefit is included in section 11.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit only available during the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals, including any negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustments and negative MVAs, may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">significantly reduce the benefit as indicated in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Investment Advisory Fee Deduction </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Example in section 1, The Contract, and in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Excess Withdrawal example in section </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">11, Income Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Restrictions on Purchase Payments may limit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:70.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:182.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:183pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:541.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:70.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lock and Early </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Reallocations</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:182.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock allows you to capture the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current Index Option Value during the Term for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">an Index Option. Performance Lock can help </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">eliminate doubt about future Index performance </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and possibly limit the impact of negative </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance. Early Reallocation allows you to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer out of a locked Index Option on days </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">other than an Index Anniversary, or a Term End </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A Performance Lock example is included in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 6, Valuing Your Contract — </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Locks and Early Reallocations.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:183pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Available during the Accumulation Phase. </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Only available during the Annuity Phase if </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you select Increasing Income and you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">annuitize your annual maximum Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Performance Locks must be executed before </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed, the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">locked Index Option will no longer participate </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in Index performance (positive or negative) </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">for the remainder of the Term, and will not </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">receive a Performance Credit on the Term </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You will not know your locked Index Option </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value in advance.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The locked Index Option Value will reflect a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed when the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustment has declined, it will lock in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">any loss.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• A Performance Lock can be executed only </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">once each Term for each Index Option.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot execute a Performance Lock for only </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a portion of the Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Early Reallocation requests are not accepted </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">within 14 calendar days before an Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You are limited to twelve Early Reallocation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">requests each Index Year.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Deductions (e.g. withdrawals, fees) decrease </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the locked Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot transfer locked Index Option Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">until the next Index Anniversary that occurs </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">on or immediately after the Lock Date unless </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you execute an Early Reallocation.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not provide advice or notify you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">regarding whether you should execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or Early Reallocation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">or the optimal time for doing so, if any.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not warn you if you execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or Early Reallocation at </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">a sub-optimal time.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We are not responsible for any losses </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">related to your decision whether or not to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">execute a Performance Lock or Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Reallocation.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• Early Reallocations are not available to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Contracts issued before May 1, 2023, as </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">detailed in Appendix G.</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:17.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Benefits</span></div> </div> </td> </tr> <tr style="height:28pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:188.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:189pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div> </div> </td> </tr> <tr style="height:222.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Anniversary </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Value Death </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greatest of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Contract Value, Cash Value, or Guaranteed </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Death Benefit Value. The Guaranteed Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Value is the Maximum Anniversary Value.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of the death benefit provided by the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Anniversary Value Death Benefit, and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">calculation of the Maximum Anniversary Value is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 12, Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of how deduction of investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">advisory fees impact the death benefit is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 1.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The impact of an Excess Withdrawal on the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death benefit is included in section 11.</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">(as a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">percentage of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">the Charge </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Base)</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:189pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Must be age 75 or younger to elect.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Can only be added to a Contract at issue.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Replaces the Traditional Death Benefit if </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">elected.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit cannot be removed from the Contract.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals, including any negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment and negative MVA, may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">significantly reduce the benefit as indicated in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Investment Advisory Fee Deduction </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Example in section 1, The Contract, and in the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Excess Withdrawal example in section 11, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals reduce the likelihood of receiving </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">increases to the Maximum Anniversary Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Investment restrictions during the Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Period may limit the benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Restrictions on Purchase Payments may limit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit.</span></div> </div> </td> </tr> </table> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Privilege</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw up to 10% of your total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annual Contribution Amounts each Index Year </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">without incurring an MVA.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available during the Income Period.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Not available upon a full withdrawal.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Upon a full withdrawal, an MVA may apply </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">against amounts previously withdrawn under </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the free withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Unused free withdrawal amounts not </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available in future years.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes, and may also be subject to a 10% </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional federal tax for amounts withdrawn </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before age 59 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to automatically take withdrawals to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">satisfy the required minimum distribution </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">requirements (RMD) imposed by the Internal </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Revenue Code.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available to IRA or SEP IRA Contracts.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals count against the free </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals are subject to income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be monthly, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">quarterly, semi-annual or annual, unless you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">have less than $25,000 in Contract Value, in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">which case only annual payments are </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• We reserve the right to discontinue or modify </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the program subject to the requirements of </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">law.</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Advisory Fees</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We designed the Contract for persons who are </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">receiving ongoing investment advice from a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Financial Professional. You can instruct us to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">automatically withdraw investment advisory </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees from your Contract to pay your Financial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Professional’s firm.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Investment advisory fees are in addition to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Contract’s fees and expenses.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Program withdrawals may be subject to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If you and your Financial Professional do not </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">agree to our requirements we will not pay </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">investment advisory fees from this Contract </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">to your Financial Professional’s firm.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Our requirements limit investment advisory </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">fee withdrawals to 1.5% of Contract Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each Contract Year, require the fees to be </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">solely for advisory services provided with </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">respect to the Contract, and require the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract to be the sole source of payment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Deductions we make for investment advisory </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">fees reduce your Contract Value (and </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">therefore Cash Value) dollar for dollar by the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amount withdrawn. This Contract Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reduction also decreases your initial annual </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">maximum Income Payment which is based </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">on Contract Value. As Contract Value is one </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">of the components we use to calculate RMD </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">payments, these deductions may also reduce </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">your RMD payments. These deductions also </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reduce the following proportionately by the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">percentage of Contract Value withdrawn: </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Charge Base, Index Option Base, Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Option Value, and Variable Account Value. </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">For more information regarding the impact of </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">paying advisory fees with money in the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract, including an example of how </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">deduction of investment advisory fees </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">impacts the Contract, see section 1, The </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract – Investment Advisory Fees.</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Income</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed lifetime withdrawal benefit </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">providing for yearly Income Payments until the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death of the Covered Person(s) if conditions </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">are satisfied.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We base the initial Income Payment on the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lifetime Income Percentage and Contract </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value. If you choose the Level Income payment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">option and meet the age requirements stated in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 11, we guarantee your initial annual </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">maximum Income Payment will be at least the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Level Income Guarantee Payment Percentage </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">multiplied by your total Purchase Payments </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">adjusted for withdrawals.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The automatic annual payment increase </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">feature may increase payments after the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Benefit Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you elect Level Income, payments increase if </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value increases from one Income </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Anniversary to the next and you took </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the maximum permitted payment during the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">prior Income Benefit Year.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Includes the Income Multiplier Benefit for no </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">additional charge that can increase income to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">help pay for needed care.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Section 11 includes examples of the Lifetime </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Percentage Calculation, Excess </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawals, Income Payment increases, and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Income Multiplier Benefit.</span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.70%</span> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit cannot be removed from the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• See the Income Benefit Supplement for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">current terms. Please see Appendix F for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">historical information on the terms for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">previous versions of the Income Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit only available during the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Investment restrictions limit available Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options during Income Period.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Income Period cannot begin until after the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">waiting period and reaching age 50. Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Period must begin no later than age 100.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Early and Excess Withdrawals may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">significantly reduce or end the benefit as </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">indicated in section 11.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">A full Excess Withdrawal and certain </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">partial Excess Withdrawals will cause </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Income Payments to stop and the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Contract </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">and all of its benefits</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> to end.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• On the Income Benefit Date, we execute </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Locks on Index Options for </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">which this day is not a Term End Date, and in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">such case the Index Option Value will be </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">subject to the Daily Adjustment. We then </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reallocate the total Contract Value, including </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amounts in the Variable Option, into the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Protection Strategy with Trigger and/or </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Protection Strategy with Cap Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options according to allocation instructions </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you provide, and begin your Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Income Payments are subject to income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes, and may also be subject to a 10% </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional federal tax for amounts withdrawn </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before age 59 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• No additional Purchase Payments during the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Period.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• No Income Percentage Increase before age </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">45.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Availability of joint Income Payments is </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">subject to age restrictions.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The Income Multiplier Benefit is not available </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in all states as indicated in Appendix G.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Must establish eligibility to exercise the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Multiplier Benefit (e.g., that you are </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">confined for care or unable to perform two </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">activities for daily living) and must </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">re-establish eligibility each year thereafter.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">but you may be able to annuitize your annual </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">maximum Income Payment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• State variations may apply.</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greatest </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Contract Value, Cash Value, or </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed Death Benefit Value. The </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed Death Benefit Value is total </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments adjusted for withdrawals.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of the death benefit provided by </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Traditional Death Benefit is included in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 12, Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of how deduction of investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">advisory fees impact the death benefit is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 1.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The impact of an Excess Withdrawal on the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death benefit is included in section 11.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit only available during the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals, including any negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustments and negative MVAs, may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">significantly reduce the benefit as indicated in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Investment Advisory Fee Deduction </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Example in section 1, The Contract, and in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Excess Withdrawal example in section </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">11, Income Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Restrictions on Purchase Payments may limit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit.</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lock and Early </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Reallocations</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock allows you to capture the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current Index Option Value during the Term for </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">an Index Option. Performance Lock can help </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">eliminate doubt about future Index performance </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and possibly limit the impact of negative </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance. Early Reallocation allows you to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer out of a locked Index Option on days </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">other than an Index Anniversary, or a Term End </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A Performance Lock example is included in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 6, Valuing Your Contract — </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Locks and Early Reallocations.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Available during the Accumulation Phase. </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Only available during the Annuity Phase if </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you select Increasing Income and you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">annuitize your annual maximum Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Performance Locks must be executed before </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Term End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed, the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">locked Index Option will no longer participate </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in Index performance (positive or negative) </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">for the remainder of the Term, and will not </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">receive a Performance Credit on the Term </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">End Date.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You will not know your locked Index Option </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value in advance.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• The locked Index Option Value will reflect a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustment.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• If a Performance Lock is executed when the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustment has declined, it will lock in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">any loss.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• A Performance Lock can be executed only </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">once each Term for each Index Option.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot execute a Performance Lock for only </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a portion of the Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Early Reallocation requests are not accepted </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">within 14 calendar days before an Index </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• You are limited to twelve Early Reallocation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">requests each Index Year.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Deductions (e.g. withdrawals, fees) decrease </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the locked Index Option Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Cannot transfer locked Index Option Value </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">until the next Index Anniversary that occurs </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">on or immediately after the Lock Date unless </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you execute an Early Reallocation.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not provide advice or notify you </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">regarding whether you should execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or Early Reallocation </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">or the optimal time for doing so, if any.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We will not warn you if you execute a </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or Early Reallocation at </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">a sub-optimal time.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• We are not responsible for any losses </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">related to your decision whether or not to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">execute a Performance Lock or Early </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Reallocation.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">• Early Reallocations are not available to </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Contracts issued before May 1, 2023, as </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">detailed in Appendix G.</span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Anniversary </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Value Death </span></div> <div style="margin-left:5pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greatest of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Contract Value, Cash Value, or Guaranteed </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Death Benefit Value. The Guaranteed Death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Value is the Maximum Anniversary Value.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of the death benefit provided by the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Anniversary Value Death Benefit, and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">calculation of the Maximum Anniversary Value is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 12, Death Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of how deduction of investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">advisory fees impact the death benefit is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 1.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The impact of an Excess Withdrawal on the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death benefit is included in section 11.</span></div> 0.002 <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Must be age 75 or younger to elect.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Can only be added to a Contract at issue.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Replaces the Traditional Death Benefit if </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">elected.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Benefit cannot be removed from the Contract.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Only available during the Accumulation Phase.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals, including any negative Daily </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment and negative MVA, may </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">significantly reduce the benefit as indicated in </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Investment Advisory Fee Deduction </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Example in section 1, The Contract, and in the </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Excess Withdrawal example in section 11, </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Withdrawals reduce the likelihood of receiving </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">increases to the Maximum Anniversary Value.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Investment restrictions during the Income </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Period may limit the benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Restrictions on Purchase Payments may limit </span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the benefit.</span></div> <div style="margin-left:4.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Annuitizing the Contract will end the benefit.</span></div> <div style="line-height:13.0pt;margin-top:16pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:16.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">11.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Income Benefit</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit is automatically included in your Contract at issue. It provides guaranteed lifetime Income Payments based on a percentage of your Contract Value. Such Income Payments can continue up to the point of annuitization. Once the Income Payment waiting period has expired, Income Payments can begin as early as age 50 or as late as age 100. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When you begin taking Income Payments, you must elect either the Level Income or Increasing Income payment option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Unlike Annuity Payments, the Income Benefit allows access to your Contract Value and death benefit for a period of time after Income Payments begin. However, once Income Payments begin, only the Index Options with the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are available to you. If you have Contract Value in any of the Index Options with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, you must transfer this Contract Value to the Index Options with the Index Protection Strategy with Trigger or Index Protection Strategy with Cap when you request Income Payments. The Income Benefit has a rider fee as discussed in the Fee Tables, and section 7, Expenses and Adjustments. The Income Benefit also includes the Income Multiplier Benefit for no additional charge, which can increase the annual maximum Income Payment after the required wait period to help pay for care if you should need it.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Unless otherwise stated, the following description of the Income Benefit applies to both the Level Income and Increasing </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income payment options.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">How the Income Benefit Works</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We designed Income Payments to last for the lifetime of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Covered Person(s)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. Covered Person(s) are based on the Eligible Person(s) and the Income Payment type you select on the Income Benefit Date. We establish </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Eligible Person(s)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> at issue based on the Contract’s ownership and tax qualification status.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We generally base Income Payments on the Lifetime Income Percentage and your Contract Value. However, it is possible in periods of extremely low return that the Level Income Guarantee Payment Percentage could result in a higher initial Income Payment. In those circumstances, we base Income Payments on total Purchase Payments adjusted for withdrawals instead of Contract Value. We base each Lifetime Income Percentage on its </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Income Percentage(s)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Income </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Percentage Increase</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> (the amount that each Lifetime Income Percentage can increase on each Index Anniversary up to and including the Income Benefit Date). On the Index Effective Date, we establish:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">An Income Percentage for each payment type using the Eligible Person’s current age, or younger Eligible Person’s current age for joint payments. This Income Percentage is also the initial Lifetime Income Percentage for each payment type.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">An Income Percentage Increase for each Eligible Person based on their current age (or younger Eligible Person’s current age for joint payments). However, if there are two Eligible Person(s), the Index Options Statement will not display a single Lifetime Income Percentage for an Eligible Person who is only a Beneficiary, because only an Eligible Person who is also an Owner (or Annuitant if the Owner is a non-individual) can become a Covered Person if you select single payments.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Accumulation Phase, on each Index Anniversary on and before the Income Benefit Date, we add an Income Percentage Increase to each Lifetime Income Percentage once the Eligible Person (or younger Eligible Person for joint payments) reaches age 45. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">This means if an Eligible Person is younger than age 44 on the Issue Date:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">you will not receive an increase to a Lifetime Income Percentage based on that Eligible Person until the Index Anniversary that the Eligible Person (or younger Eligible Person for joint payments) reaches age 45, and</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">you will pay a rider fee during the period you are not eligible for an Income Percentage Increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The table showing the Income Percentages and Income Percentage Increases is stated in the Income Benefit Supplement. Additional Purchase Payments we receive after the Index Effective Date will adjust each Lifetime Income Percentage on the next Index Anniversary based on:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Income Percentage for the Eligible Person’s current age, and</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Variable Account Value’s percentage of total Contract Value, and the percentage of the sum of all Index Option Values to total Contract Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If we receive additional Purchase Payments after the Eligible Person reaches age 45, these Purchase Payments will increase the available Income Payment because they increase the Contract Value, although they actually decrease each Lifetime Income Percentage. Please see the Lifetime Income Percentage Calculation Example later in this section.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">When you are ready to take Income Payments, you can choose which Lifetime Income Percentage we use to calculate your payment. You will always be able to choose between Lifetime Income Percentages for the Level Income and Increasing Income payment options. However, once Income Payments begin you cannot change your payment option.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Level Income</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides an automatic annual increase to your Income Payments if your Contract Value increases from one Income Benefit Anniversary to the next. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you choose the Level Income payment option and meet certain age requirements,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> your initial Income Payment will not be less than a percentage </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(Level Income Guarantee Payment Percentage)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> of your total Purchase Payments reduced proportionately for withdrawals you took (including any MVA). All withdrawals you take reduce your total Purchase Payments, even MVA-Free Withdrawals. However, we do not reduce your total Purchase Payments for deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Increasing Income</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> provides Income Payment increases on each Income Benefit Anniversary during the Income Period if your selected Index Option(s) receives a positive Performance Credit, or you execute a Performance Lock during the prior Income Benefit Year.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If there are two Eligible Person(s) who both meet the exercise age requirements, you will also be able to choose between Lifetime Income Percentages for single and joint payments. If both Eligible Persons are also Owners, you will also be able to choose between single Lifetime Income Percentages based on each Eligible Person. The Lifetime Income Percentages available before the Income Benefit Date are displayed on the Index Options Statement. During the Income Period this statement will show the annual maximum Income Payment available for the next year. The annual maximum Income Payment displayed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">for the Level Income payment option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> will reflect the Level Income Guarantee Payment Percentage if this calculation results in a greater payment and you meet the age requirements stated under “Calculating Your Income Payments” later in this section.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">There are restrictions on which Eligible Person can become a Covered Person if you select single Income Payments. Joint Income Payments are not available if the age difference between spouses is more than 50 years (for more information see section 2, Eligible Person(s) and Covered Person(s)).</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Income Payments are not available until the Index Anniversary that occurs on or after the Income Payment waiting period (which is stated in the Income Benefit Supplement) expires and the Eligible Person(s) reaches age 50. Income Payments must begin no later than age 100. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">If you do not begin Income Payments during the eligibility period, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages. In addition, before the Income Period you are paying for a benefit that you are not currently using.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You choose your Income Payment frequency and amount subject to the annual maximum permitted payment. The payment option (Level Income or Increasing Income) you select determines how and when your annual maximum Income Payment will increase from one Income Benefit Anniversary to the next as described in “Automatic Annual Income Payment Increases” later in this section.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">We use Contract Value to calculate your initial annual maximum Income Payment, and any Income Payment increases under the Level Income payment option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Negative Index Option performance, withdrawals you take, and deductions we make for Contract fees, expenses, and investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract decrease the Contract Value, which reduces the initial annual maximum Income Payment available to you, and the likelihood you will receive Income Payment increases if you select the Level Income payment option. Once established, the annual maximum Income Payment can only decrease if you take an Excess Withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">A full Excess Withdrawal and certain partial Excess Withdrawals will cause Income Payments to stop and the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;text-decoration:underline;">and all of its benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;"> to end.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit also includes the Income Multiplier Benefit which, after the required wait period, can increase your income to help pay for care if you should need it. If you qualify for this benefit, we multiply your annual maximum Income Payment by the income multiplier factor. The income multiplier factor and income multiplier benefit wait period are stated in the Income Benefit Supplement. The Income Multiplier Benefit is not available in all states as indicated in Appendix G.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:38pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:4.15pt;">YOU SHOULD NOT PURCHASE THIS CONTRACT WITHOUT FIRST OBTAINING THE CURRENT </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">INCOME BENEFIT SUPPLEMENT.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> We publish any changes to the Income Benefit Supplement at least seven </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">calendar days before they take effect on our website at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">https://www.allianzlife.com/RILAincomeadvrates.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Please discuss the Income Benefit’s appropriateness with your Financial Professional and tax adviser.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">During the Income Period</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You will receive Income Payments as long as a Covered Person is alive and continues to meet the requirements stated in section 2. However, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Income Payments and the Income Benefit may end prematurely if you:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">change the Owner(s) or Beneficiary and all Covered Persons are removed from the Contract because they no longer meet the requirements stated in section 2,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">take an Excess Withdrawal that reduces the Contract Value to $2,000 or less, or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">annuitize your Contract. However, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">we can convert your Income Payment to Annuity Payments as described in section 9, The Annuity Phase – When Annuity Payments Begin.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you begin Income Payments before age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">, the payments may be subject to a 10% additional federal tax.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any part of your annual maximum Income Payment that you do not withdraw in a given Income Benefit Year remains in your Contract for the remainder of that year, but is not added to the annual maximum payment available next year.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess Withdrawals reduce your annual maximum Income Payment by the percentage of Contract Value withdrawn (including any MVA) on the next Income Benefit Anniversary.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You cannot make additional Purchase Payments. If your Contract includes the Traditional Death Benefit, your Guaranteed Death Benefit Value no longer increases.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract Value continues to fluctuate as a result of Index Option performance. However, only the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are available to you. This may limit your Contract’s performance potential, and if your Contract includes the Maximum Anniversary Value Death Benefit, this may also limit your Guaranteed Death Benefit Value.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract Value decreases on a dollar for dollar basis with each Income Payment, Excess Withdrawal, and deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract. If your Contract includes the Maximum Anniversary Value Death Benefit, this decrease in Contract Value also reduces the likelihood of locking in investment gains to the Maximum Anniversary Value.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Income Payment and any Excess Withdrawal also reduces your Guaranteed Death Benefit Value and the Charge Base used to calculate product and rider fees by the percentage of Contract Value withdrawn (including any MVA)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">, which means these values may be reduced by more than the amount withdrawn</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit rider fee continues until the Business Day the Contract Value reduces to zero, you annuitize the Contract, or the Income Benefit ends.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If your Contract also includes the Maximum Anniversary Value Death Benefit, its rider fee continues as indicated in section 7, Expenses and Adjustments.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The free withdrawal privilege is no longer available.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you exercise the Income Multiplier Benefit, we will increase your annual maximum Income Payment for the remainder of that Income Benefit Year and the next year. To continue receiving this increase each Income Benefit Year you must reestablish eligibility. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Any increase to your Income Payments as a result of this benefit will more rapidly reduce your Guaranteed Death Benefit Value.  </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If your Contract Value reduces to zero during the Income Period for any reason other than an Excess Withdrawal or annuitization that does not convert your Income Payments to Annuity Payments, you will continue to receive your maximum available Income Payment at the previous selected payment frequency until the earlier of the death of the Owner or last surviving Covered Person. Further, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">if you elected Increasing Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> your annual maximum Income Payment will continue to change based on Index Option performance, including any Performance Locks you execute. If you exercised the Income Multiplier Benefit, it will end on the Income Benefit Anniversary that occurs on or immediately after your Contract Value reduces to zero. This means that you will no longer receive the increased annual maximum Income Payment provided by this Benefit; however, you will continue to receive the maximum available Income Payment, which will be less than the amount you previously received under the Income Multiplier Benefit.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Income Payments made while Contract Value is greater than zero are payments made from your own money, and the chance of Contract Value being reduced to zero and receiving lifetime Income Payments from us may be minimal.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">An example of the effect of an Excess Withdrawal on the Guaranteed Death Benefit Value and the annual maximum Income Payment is included later in this section.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Requesting Income Payments</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You request Income Payments by completing a payment election form. We must receive your Income Payment election form in Good Order at our Service Center no later than five Business Days before the Income Benefit Date. Your Income Benefit Date must be on an Index Anniversary. At least one Eligible Person must remain in the Contract and be alive on the Income Benefit Date in order for Income Payments to begin. Joint payments are only available if there are two Eligible Persons on the Income Benefit Date. On the Income Benefit Date, we require updated allocation instructions. If you have Contract Value in an Index Option and the Income Benefit Date is not also a Term End Date, we will execute a Performance Lock for that Index Option if it is not locked, and in such case the Index Option Value will be subject to the Daily Adjustment. We then reallocate the total Contract Value, including any amount in the Variable Option, into the Index Protection Strategy with Trigger and/or Index Protection Strategy with Cap Index Options according to your allocation instructions, and immediately calculate and begin your Income Payments. If you have Index Options with different Term End Dates, there may be no Income Benefit Date you can select without application of at least one Daily Adjustment. For the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options, we will execute this Performance Lock even if the Daily Adjustment is zero.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will send you a notice letter at least 30 days before:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Index Anniversary that Income Payments can begin once the Eligible Person(s) reaches age 50,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the last Index Anniversary that joint Income Payments will be available because the older Eligible Person is reaching age 100 if there are two Eligible Persons, and</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the last Index Anniversary that Income Payments will be available because the younger Eligible Person is reaching age 100.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:26pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">If Income Payments do not begin by the Index Anniversary upon which the younger Eligible Person reaches </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">age 100, the Income Benefit ends.</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">If the Income Benefit ends before Income Payments begin, you will have paid for the benefit without receiving </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">any of its advantages.</span></div> </div> </td> </tr> </table> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Calculating Your Income Payments</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The annual maximum Income Payment is the amount you are entitled to receive each Income Benefit Year. On the Income Benefit Date, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">if you select the Level Income payment option and all Covered Persons are age 80 or younger (and were age 75 or younger on the Issue Date)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> your initial annual maximum Income Payment is the greater of the following:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Level Income Guarantee Payment Percentage based on the Covered Person’s current age (or the younger Covered Person’s current age for joint payments) multiplied by total Purchase Payments reduced for withdrawals you took. Withdrawals reduce total Purchase Payments by the percentage of Contract Value withdrawn (including any MVA), determined at the end of each Business Day. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">All withdrawals you take reduce your total Purchase Payments, even MVA-Free Withdrawals. However, we do not reduce your total Purchase Payments for deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Lifetime Income Percentage for the payment type you select multiplied by the Contract Value determined at the end of the Business Day after we deduct the product fee, rider fee, and contract maintenance charge and apply any Performance Credits, but before we make any Income Payments or Excess Withdrawals, or we deduct any investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Covered Persons do not meet these age requirements (age 80 or younger on the Income Benefit Date, and age 75 or younger on the Issue Date), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or if you select the Increasing Income payment option,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we instead calculate your initial annual maximum Income Payment as stated in the second bullet above (the Lifetime Income Percentage for the payment type you select multiplied by the Contract Value determined at the end of the Business Day after we deduct the product fee, rider fee, and contract maintenance charge and apply any Performance Credits, but before we make any Income Payments or deduct Excess Withdrawals).</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:86pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">If you have Contract Value in an Index Option for which the Income Benefit Date is not a Term End Date, we </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">will execute a Performance Lock for that Index Option if it is not locked and then immediately calculate and </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">begin your Income Payments, and in such case the Index Option Value will be subject to the Daily Adjustment. </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">If you have Index Options with different Term End Dates, there may be no Income Benefit Date you can select </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">without application of at least one Daily Adjustment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">This means you may not receive the full benefit of the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Performance Credit that you would have received if you had waited until the Term End Date to begin Income </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Payments.</span></div> </div> </td> </tr> <tr style="height:72pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">We use Contract Value to calculate your initial annual maximum Income Payment, and Income Payment increases </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">under the Level Income payment option. Negative Index Option performance, withdrawals you take, and deductions </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">firm to receive from the Contract decrease the Contract Value, which reduces the initial annual maximum Income </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Payment available to you. Negative Index Returns and Performance Credits of zero also reduce the likelihood you </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">will receive Income Payment increases.</span></div> </div> </td> </tr> </table> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Level Income Guarantee Payment Percentage Table</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:115pt;width:264pt; border-spacing: 0px;"> <tr style="height:42.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Covered Person’s age</span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(or younger Covered Person’s age for </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">joint payments)</span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">on the Income Benefit Date</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Level Income Guarantee</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Payment Percentage</span></div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">50</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.23</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">51</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.28</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">52</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.33</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">53</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.39</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">54</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.44</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">55</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.50</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">56</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.57</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">57</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.64</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">58</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.71</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">59</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.78</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">60</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.86</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">61</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.95</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">62</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.04</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">63</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.13</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">64</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.23</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">65</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.34</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">66</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.45</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">67</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.58</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">68</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.71</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">69</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.85</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">70</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.00</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">71</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.17</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">72</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.35</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">73</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.55</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">74</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.77</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">75</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.00</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">76</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.27</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">77</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.56</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">78</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.89</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">79</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">6.25</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> <tr style="height:10.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.625pt;vertical-align:Top;width:132pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">80</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;"> <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;"> <div style="display:flex;margin:auto;width:14.77pt;"> <div style="display:flex;white-space:nowrap;width:14.77pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">6.67</span></div> <div style="display:flex;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</span></div> </div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">On the Income Benefit Date, if your initial annual maximum Income Payment is less than $100, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> For example, assuming a 4% Lifetime Income Percentage and Contract Value less than $2,500, this would result in an initial annual maximum Income Payment of less than $100.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can receive Income Payments monthly, quarterly, semi-annually, or annually. If the scheduled payment date does not fall on a Business Day, we make the payment on the next Business Day.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can change your payment frequency once each Income Benefit Year while your Contract Value is positive. We must receive your request to change your Income Payment frequency in Good Order at our Service Center no later than five Business Days before the Income Benefit Anniversary. If the change is available, we implement it on the Income Benefit Anniversary and it remains in effect until the benefit ends or you request another change. We do not accept payment frequency changes that would cause us to make payments of $0.01 to $99.99.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The annual maximum Income Payment is the amount you are entitled to, but you can choose to take less. The annual actual Income Payment is the total amount you choose to receive each year. Each scheduled Income Payment you receive is equal to the annual actual Income Payment divided by the number of payments you chose to receive during the Income Benefit Year. Each scheduled Income Payment must either be zero, or $100 or more. For example, you cannot request a scheduled payment of $50.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Any part of your annual maximum payment that you do not withdraw in a given Income Benefit Year is not added to the annual maximum payment available next year. However, if your actual Income Payment is less than your annual maximum payment, you can withdraw the difference and we consider that withdrawal to be an additional actual Income Payment, and </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">not an Excess Withdrawal and not subject to an MVA. We do not consider a withdrawal to be an Excess Withdrawal until you have withdrawn the available annual maximum Income Payment amount. In addition, once we have paid out your annual maximum Income Payment we will not make any further scheduled Income Payments for the rest of the Income Benefit Year. For example, assume your annual maximum Income Payment is $2,000 and you take scheduled semi-annual Income Payments of $500. Within an Income Benefit Year, you can take an additional withdrawal of up to $1,000 and we consider that to be an additional scheduled Income Payment. If instead you withdraw $1,200 after receiving the first $500 payment, we consider that withdrawal to be an additional scheduled Income Payment. On the date of the next scheduled Income Payment we will send you only $300 because that is the amount remaining from your $2,000 annual maximum. If you then took an additional withdrawal of $200 in that Income Benefit Year, we consider that $200 to be an Excess Withdrawal subject to an MVA.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you would like to take less than the maximum available payment, you can change your payment amount once each Income Benefit Year while your Contract Value is positive. We must receive your request to change your Income Payment amount in Good Order at our Service Center no later than five Business Days before the Income Benefit Anniversary. If the change is available, we implement it on the Income Benefit Anniversary and it remains in effect until the Income Benefit ends or you request another change.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If, on a Business Day that we are deducting an Income Payment, your Contract Value is less than the payment amount, we will add the difference between these amounts to your Contract Value and then deduct the Income Payment which will reduce your Contract Value to zero. If your Contract Value reduces to zero during the Income Period for any reason other than an Excess Withdrawal or annuitization that does not convert your Income Payments to Annuity Payments, you will continue to receive your maximum available Income Payment at the previous selected payment frequency until the earlier of the death of the Owner or last surviving Covered Person. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you select Increasing Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> you can continue to receive payment increases based on Index Option performance. However, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">if you select Level Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> your Income Payments will no longer increase.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We deduct each Income Payment, Excess Withdrawal, and any additional payment resulting from a required minimum distribution, proportionately from the Index Options to which you are allocated. While the Contract Value is positive, you can make transfers between the Index Options and execute Performance Locks and Early Reallocations. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you select Increasing Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> once the Contract Value reduces to zero, you can continue to change your Index Option allocations and execute Performance Locks and Early Reallocations as long as the Income Benefit is in effect. With Increasing Income, we base changes to your annual maximum Income Payment on the proportion of Contract Value in each Index Option at the end of the last Business Day that your Contract Value is positive. However, you can change the proportion of each Index Option that we use to calculate these changes after the Contract Value is equal to zero by providing an authorized request to our Service Center.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:62pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">For Qualified Contracts:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If we calculate a required minimum distribution (RMD) based on this Contract, after </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">making all Income Payments for the calendar year we determine whether this calendar year’s total RMD has been </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">satisfied by these payments and any Excess Withdrawals. If the RMD amount for this Contract has not been satisfied, </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">we send you this remaining amount as one RMD payment by the end of the calendar year. We consider this payment </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">to be a withdrawal, but it is not an Excess Withdrawal and it is not subject to an MVA.</span></div> </div> </td> </tr> <tr style="height:72pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">For annuitization:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If on the Annuity Date you are receiving Income Payments and your Contract Value is positive, </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">we will convert your Income Payments to Annuity Payments if you take Annuity Payments under Annuity Option B </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">or F. If you select any other Annuity Option, we will not convert your Income Payments to Annuity Payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">This </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">means that if you annuitize your Contract you may receive less as Annuity Payments than you would have </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">received as Income Payments.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> For more information, see section 9, The Annuity Phase – When Annuity Payments </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Begin.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Lifetime Income Percentage Calculation Example</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Assume you are the sole Owner, you are not married, and your initial Purchase Payment is $20,000. You only select 1-year Term Index Options. You are not married, so you are also the only Eligible Person. The Income Payment waiting period is three Index Years. On the Index Effective Date you are age 54, your Income Percentage Increase is 0.25%, and your initial Lifetime Income Percentages are equal to the Income Percentages for single payments, which are 4.20% for Level Income, and 3.20% for Increasing Income. You take no withdrawals before requesting Income Payments.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the first Index Anniversary, we apply your first Income Percentage Increase. Your new Lifetime Income Percentages for single payments are 4.45% (4.20% + 0.25%) if you elect Level Income and 3.45% (3.20% + 0.25%) if you elect Increasing Income.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Assume you make an additional Purchase Payment of $2,000 in the fourth Index Year. On the fourth Index Anniversary:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">you are age 58 and the Income Percentages are 4.60% for Level Income, and 3.60% for Increasing Income,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Variable Account Value for the additional Purchase Payment is now $2,002.50, and</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Contract Value after application of the additional Purchase Payment, Performance Credits and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">before</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> deducting all Contract fees and expenses is $25,000.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We calculate your new Lifetime Income Percentages for single payments on the fourth Index Anniversary as follows.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lifetime Income Percentages for the initial Purchase Payment are now 5.20% (4.20% + (0.25% x 4)) if you elect Level Income and 4.20% (3.20% + (0.25% x 4)) if you elect Increasing Income.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lifetime Income Percentages for the additional Purchase Payment are 4.60% for Level Income and 3.60% for Increasing Income.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Variable Account Value’s percentage of total Contract Value is 8.01% ($2,002.50 ÷ $25,000), which means the initial Purchase Payment is 91.99% of total Contract Value (100% - 8.01%).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The final Lifetime Income Percentages on the fourth Index Anniversary are then:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">if you elect Level Income: (5.20% x 91.99%) + (4.60% x 8.01%) = 4.78% + 0.37% = 5.15%</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">if you elect Increasing Income: (4.20% x 91.99%) + (3.60% x 8.01%) = 3.86% + 0.29% = 4.15%</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you begin Income Payments on the fourth Index Anniversary, we calculate the annual maximum Income Payment as follows.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Level Income, you receive the greater of….</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Increasing Income, you receive…</span></div> </div> </td> </tr> <tr style="height:61.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Level Income Guarantee Payment Percentage multiplied by </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">total Purchase Payments reduced proportionately for </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals you took, or: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2.71% x $22,000) = $596.20</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Lifetime Income Percentage multiplied by the Contract Value, </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (5.15% x $25,000) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,287.50</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Lifetime Income Percentage multiplied by the Contract Value, </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (4.15% x $25,000) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,037.50</span></div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you select Level Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we apply the Level Income Guarantee Payment Percentage in this calculation because you were 75 or younger when you purchased the Contract and are age 80 or younger on the Income Benefit Date. On the Income Benefit Date, your Level Income Guarantee Payment Percentage based on your current age of 58 is 2.71%, and your total Purchase Payments reduced proportionately for withdrawals is $22,000 (your $20,000 initial payment plus the $2,000 we received in the fourth Index Year). The annual maximum Income Payment calculation and Level Income Guarantee Payment Percentage are discussed in “Calculating Your Income Payments” next in this section.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you had not made the additional Purchase Payment your Lifetime Income Percentages would have been higher (5.20% compared to 5.15% for Level Income, and 4.20% compared to 4.15% for Increasing Income), but the available annual maximum Income Payment would be lower because the Contract Value would not include the increase from the additional Purchase Payment. If you had not made the additional Purchase in the fourth Index Year, your Contract Value would have been $22,997.50 ($25,000 - $2,002.50) and we calculate your annual maximum Income Payment as follows.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Level Income, you receive the greater of….</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Increasing Income, you receive…</span></div> </div> </td> </tr> <tr style="height:61.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Level Income Guarantee Payment Percentage multiplied by </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">total Purchase Payments reduced proportionately for </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals you took, or: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2.71% x $20,000) = $542.00</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Lifetime Income Percentage multiplied by the Contract Value, </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (5.20% x $22,997.50) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,195.87</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Lifetime Income Percentage multiplied by the Contract Value, </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (4.20% x $22,997.50) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$965.90</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Example of when the Level Income Guarantee Payment Percentage may increase the initial Income Payment</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Assume you are the sole Owner, you are not married, and your initial Purchase Payment is $100,000. You are age 65 on the Index Effective Date and your initial Income Percentage under Level Income is 5.70% with a 0.40% Income Percentage Increase. You take no withdrawals before requesting Income Payments. You begin Income Payments on the </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">fifth Index Anniversary and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">select the Level Income payment option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. On the Income Benefit Date you are age 70, your Lifetime Income Percentage is 7.70% and your Level Income Guarantee Payment Percentage is 4.00%.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:13.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">When it </span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">increases</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> the initial Income Payment</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">When it does </span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> increase the initial Income Payment</span></div> </div> </td> </tr> <tr style="height:85.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Assume your Contract Value decreases to $50,000 due to </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative performance. You would receive the greater of:</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Level Income Guarantee Payment Percentage multiplied </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">by total Purchase Payments reduced proportionately for </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">withdrawals you took, or: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(4.00% x $100,000) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$4,000.00</span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lifetime Income Percentage multiplied by the Contract </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Value, or: (7.70% x $50,000) = $3,850.00</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">• Assume your Contract Value decreases to $70,000 due to </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative performance. You would receive the greater of:</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Level Income Guarantee Payment Percentage multiplied </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">by total Purchase Payments reduced proportionately for </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">withdrawals you took, or: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(4.00% x $100,000) = $4,000.00</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">– </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lifetime Income Percentage multiplied by the Contract </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Value, or: (7.70% x $70,000) = </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$5,390.00</span></div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Please note that these examples may differ from your actual results due to rounding.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Excess Withdrawals</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess Withdrawals do not include RMD payments, or deductions we make for Contract fees, expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. Excess Withdrawals are subject to an MVA. Any partial Excess Withdrawal must be for at least $100, and, after the partial Excess Withdrawal, the Contract Value must be at least $2,000. If the Contract Value is less than $2,000, you cannot request a partial Excess Withdrawal, but you can take a full Excess Withdrawal. If a partial Excess Withdrawal reduces the Contract Value to less than $2,000, we require you to take a full Excess Withdrawal. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">A full Excess Withdrawal will cause Income Payments to stop and the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;text-decoration:underline;">and all of its benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;"> to end. We will not provide a warning before you take an Excess Withdrawal, and there will be no opportunity to undo an Excess Withdrawal.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Excess Withdrawals reduce your annual maximum Income Payment on the next Income Benefit Anniversary after the withdrawal. For each Excess Withdrawal, we reduce your annual maximum payment by the same percentage that we reduced the Contract Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If partial Excess Withdrawals reduce your annual maximum Income Payment to less than $100, we send you the Cash Value, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">which will cause Income Payments to stop and the Contract to end.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Excess Withdrawal Example</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">These calculations show the effects of an Excess Withdrawal on the Contract Value, Cash Value, available Guaranteed Death Benefit Value, and Income Payments. Partial Excess Withdrawals (including any MVA, but not deductions we make for Contract fees, expenses, or investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract) immediately reduce the Contract Value and Cash Value on a dollar for dollar basis, and reduce the Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn. Partial Excess Withdrawals also reduce the annual maximum Income Payment by the percentage of Contract Value withdrawn on the next Income Benefit Anniversary. (The impact of withdrawals, including Excess Withdrawals, on the Charge Base is included in Appendix D - Annual Contract Fees Calculation Examples.)</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The example assumes you do not authorize your Financial Professional’s firm to receive investment advisory fees deducted from your Contract, and instead take a $1,500 Excess Withdrawal and use that money to pay investment advisory fees to your Financial Professional when the Contract Value is $100,000, the Cash Value is $97,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000, or $105,000 under the Maximum Anniversary Value Death Benefit. It also assumes the $1,500 Excess Withdrawal is subject to an MVA of -$100. Cash Value reflects the MVA we apply on a full withdrawal. Therefore the Cash Value in this example is only reduced for the $1,500 Excess Withdrawal </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">because the -$100 MVA is already reflected in the $97,000 Cash Value. All fractional numbers in these examples have been rounded up to the next whole number.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:51pt;"> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:79.61pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.51%;margin-right:3.77%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Excess</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:42.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:7.06%;margin-right:7.06%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:7.91%;margin-right:7.91%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cash</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.56%;margin-right:2.56%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value for a Contract with the</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Traditional Death Benefit</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:130.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.30%;margin-right:2.30%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for a Contract with the</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Benefit</span></div> </div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:86.3pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:3.48%;margin-right:2.32%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Next anniversary’s</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">annual maximum</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Income Payment</span></div> </div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to withdrawal</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 97,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 4,800</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$1,500 withdrawal</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,500</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,500</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($1,500 ÷ 100,000)</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($1,500 ÷ 100,000)</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($1,500 ÷ 100,000)</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 90,000)] = - $1,350</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 105,000)] = - $1,575</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 4,800)] = - $72</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">-$100 MVA</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– $100</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($100 ÷ 100,000)</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($100 ÷ 100,000)</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">– [($100 ÷ 100,000)</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 90,000)] = - $90</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 105,000)] = - $105</span></div> </div> </td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 4,800)] = - $5</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,600</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">– $1,500</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $1,440</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $1,680</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $77</span></div> </div> </td> </tr> <tr style="height:13.5pt;"> <td style="vertical-align:Top;width:79.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:42.47pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:37.91pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:130.7pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> <td style="vertical-align:Top;width:86.3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div> </div> </td> </tr> <tr style="height:11.5pt;"> <td style="padding-top:2.5pt;vertical-align:Top;width:79.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After withdrawal</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;width:42.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 98,400</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 95,500</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 88,560</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;width:130.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 103,320</span></div> </div> </td> <td style="padding-top:2.5pt;vertical-align:Top;width:86.3pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 4,723</span></div> </div> </td> </tr> </table> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit is the greatest of the Contract Value, Cash Value, or the Guaranteed Death Benefit Value. After the withdrawal and MVA, the death benefit would either be the $98,400 Contract Value under the Traditional Death Benefit (because it is greater than the Guaranteed Death Benefit Value of $88,560), or the $103,320 Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Automatic Annual Income Payment Increases</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you select Level Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the annual maximum Income Payment can only decrease if you take an Excess Withdrawal. However, if you took the maximum permitted payment during the prior Income Benefit Year, we increase your annual maximum Income Payment if your Contract Value increases from one Income Benefit Anniversary (or the Income Benefit Date if this is the first Income Benefit Anniversary) to the next. This increase is equal to the percentage of growth between these two Contract Values. For example, if the Contract Value increased by 1.5%, we also increase your annual maximum Income Payment by 1.5%.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">When calculating this payment increase, we use the Contract Value determined at the end of the Business Day after we apply any Performance Credits (or Daily Adjustment if the Index Anniversary is not a Term End Date) and we deduct Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract, but before we make any Income Payments or deduct Excess Withdrawals taken on this Index Anniversary. If the Income Benefit Date or an Income Benefit Anniversary does not occur on a Business Day, we use Contract Values from the next Business Day.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Lifetime Income Percentages on the Income Benefit Date generally will be higher with Level Income, as compared with Increasing Income. However, subsequent payment increases are less likely with Level Income, as compared with Increasing Income, especially in later Income Benefit Years. This is because only the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are available once Income Payments are selected, and those two Crediting Methods may have lower return potential compared to other Crediting Methods. If Index Option performance is less than the total withdrawals, including Income Payments, Excess Withdrawals and deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract, taken in an Index Year, there will be no increase in the annual maximum Income Payment for the Index Year under Level Income.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For example, if you took the maximum permitted payment during the prior Income Benefit Year and you receive Performance Credits of 2.5% on an Index Anniversary, but the deductions for Income Payments and Excess Withdrawals taken during the prior Index Year, and deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract both in the prior Index Year and on the current Index Anniversary reduce your Contract Value by -6.8% you will not receive a payment increase under Level Income.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If we increase the Contract Value to equal the death benefit due to a spousal continuation of the Contract during the last </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Benefit Year, we also subtract the amount of this increase from the Contract Value on the next Income Benefit </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary when determining annual payment increases under the Level Income payment option.</span></div> </div> </td> </tr> </table> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If you select Increasing Income,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the available annual maximum Income Payments will increase on each Income Benefit Anniversary if your selected Index Option(s) receives a Performance Credit, or if you executed a Performance Lock on an increased Index Option Value at any time during the prior Income Benefit Year. Any Index Options that did not receive a Performance Credit and were not locked during the prior Income Benefit Year will not affect the annual maximum Income Payment on the current Income Benefit Anniversary.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you select multiple Index Options, we take the weighted average of all Performance Credits, and locked increased Index Option Values based on the percentage of total Index Option Base in each of your selected Index Options to determine your payment increase as indicated in the example below. When calculating this payment increase, we use the Index Option Base determined at the end of the Business Day </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">before</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we apply any daily transactions (increases for Performance Credits or Daily Adjustments; deductions for Income Payments, Excess Withdrawals, Contract fees and expenses, or investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract; or processing any Early Reallocations or transfers).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Index Options where a Performance Lock was </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> executed during the prior Income Benefit Year we use the percentage of total Index Option Base in each of these Index Options on the Income Benefit Anniversary. If the Income Benefit Anniversary does not occur on a Business Day, we use the Index Option Base from the next Business Day.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Index Options where a Performance Lock </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">was</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> executed during the prior Income Benefit Year we use the percentage of Index Option Base in each of these Index Options on the Business Day the Index Option is reallocated or transferred.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Payment increases can continue even if your Contract Value reduces to zero, or if you convert Income Payments to Annuity Payments as described in section 9, The Annuity Phase – When Annuity Payments Begin.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you selected multiple Index Options, we take the weighted average of all Performance Credits, and locked Daily Adjustments using the percentage of Contract Value in each Index Option either at the end of the prior Business Day before your Contract Value reduced to zero, or at the end of the Business Day on the Annuity Date if you convert Income Payments to Annuity Payments.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We determine this Contract Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">after</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we apply any Daily Adjustments (if this day is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">not</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> a Term End Date) or Performance Credits (if this day </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">is</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> a Term End Date), and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">after</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we deduct any Income Payment, Excess Withdrawal, Contract fees and expenses, or investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You can change the proportions that we use to calculate this weighted average by submitting an authorized request to our Service Center.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Example of Increasing Income Payment Increases</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Assume your Contract Value is $100,000 and you allocate 20% to the Index Protection Strategy with Trigger using the S&amp;P 500</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index and 80% to the Index Protection Strategy with the Cap using the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> on the Income Benefit Date.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the first Income Benefit Anniversary, the Index Protection Strategy with Trigger Index Option receives a 3.5% Performance Credit and the Index Protection Strategy with the Cap Index Option receives a 4.2% Performance Credit. On this anniversary, before we apply daily transactions, 20% of your total Index Option Base is in the Index Protection Strategy with Trigger Index Option, and 80% of your total Index Option Base is in Index Protection Strategy with the Cap Index Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your annual maximum Income Payment on the first Income Benefit Anniversary will increase by 4.06% ((3.5% x 20%) + (4.2% x 80%)).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Please see Appendix E for an example of how we calculate an automatic Income Payment increase if you execute a Performance Lock and Early Reallocation.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Income Multiplier Benefit</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Multiplier Benefit can increase the annual maximum Income Payment if you:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">begin confinement after the first Contract Anniversary in an eligible facility (a hospital, nursing facility, or assisted living facility) for at least 90 days in a 120-day period, or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">are unable to perform at least two of six activities of daily living (ADLs) for at least 90 consecutive days. ADLs include bathing, dressing, toileting, continence, eating, and transferring (moving into or out of a bed, chair, or wheelchair).</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We must receive proof of your staying in an eligible facility or ADL eligibility before we multiply your annual maximum Income Payment by the income multiplier factor stated in the Income Benefit Supplement. For ADL eligibility we may require, at our expense, an examination or tests by a physician of our choice. To continue receiving this increase each Income Benefit Year, you must reestablish eligibility.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Multiplier Benefit is not available before the Income Benefit Date, or before expiration of the income multiplier benefit wait period stated in the Income Benefit Supplement. In addition, a Covered Person cannot establish eligibility for this benefit more than one Index Year before the Income Benefit Date. Increased Income Payments based on staying in an eligible facility are not available before the first Contract Anniversary. To qualify for a payment increase based on performance of ADLs, a Covered Person must have been able to perform each of these six ADLs without substantial assistance on the Issue Date. If you chose to take less than the annual maximum Income Payment and then qualify for a payment increase under the Income Multiplier Benefit, we will increase your Income Payments to the available annual maximum before applying the payment increase.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Example</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Assume you elect to receive the maximum available payment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">under the Level Income payment option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">, your annual maximum Income Payment is $10,000, the income multiplier factor is 2, and the income multiplier benefit wait period is five Contract Years. After the fifth Contract Anniversary you suffer an illness and can’t perform two of the six ADLs. At the time of your illness, your annual maximum Income Payment is still $10,000 and your Contract Value is positive. After we confirm your benefit eligibility with your physician, we increase your annual maximum Income Payment as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(income multiplier factor) x (annual maximum Income Payment) = 2 x $10,000 = $20,000</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">This increase will allow you to receive up to $20,000 as an Income Payment for this Income Benefit Year, and the next Income Benefit Year. However, in the next Income Benefit Year your health improves and you are not able to reestablish benefit eligibility for the following Income Benefit Year. So on the second Income Benefit Anniversary after we increased your payment, we decrease your annual maximum Income Payment as follows:</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(annual maximum Income Payment) ÷ (income multiplier factor) = $20,000 ÷ 2 = $10,000</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Income Multiplier Benefit Ends</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Income Multiplier Benefit ends on the earliest of the following.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuity Date.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit Anniversary that occurs on or immediately after the date the Contract Value is reduced to zero.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day the Income Benefit ends.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day the Contract ends.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Taxation of Income Payments</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We treat Income Payments as withdrawals for tax purposes while your Contract Value is positive, and once your Contract Value is reduced to zero we intend to treat Income Payments as Annuity Payments for tax purposes. For more information, see section 13, Taxes – Taxation of Income Payments.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Income Period Ends</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Period ends on the earlier of the last Business Day before the Annuity Date, or the date the Income Benefit ends. Income Payments can continue for the life of the Covered Person(s) if you do not take more than your allowed annual maximum payment.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">When the Income Benefit Ends</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Income Benefit ends on the earliest of the following.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day all Eligible Persons or Covered Persons are removed from the Contract because they no longer meet the requirements (Owner, Annuitant or sole Beneficiary) stated in section 2. If this occurs after the Income Benefit Date, Income Payments stop when the last Covered Person is removed from the Contract.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Index Anniversary upon which the younger Eligible Person reaches age 100 if it occurs before the Income Benefit Date.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day we process your request for a full withdrawal, other than a full withdrawal caused by an Income Payment.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Income Benefit Date or an Income Benefit Anniversary if the annual maximum Income Payment is less than $100.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we first receive a Valid Claim from any one Beneficiary. However, if a federally recognized spouse is an Eligible Person or Covered Person and continues this Contract, the Income Benefit also continues.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Accumulation Phase and before the Income Benefit Date, the Income Benefit ends on the date of death of the last surviving Eligible Person.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">During the Income Period, the Income Benefit ends on the date of death of the last surviving Covered Person.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day the Contract ends.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:auto;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If we receive notice of death of a Covered Person during the Income Period, we will suspend Income Payments and the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Benefit will end as described above. However, if a federally recognized spouse who is also a joint Covered </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Person continues this Contract, we will resume Income Payments and add any Income Payments that we would have </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paid between the time we suspended Income Payments and when they resume future Income Payments.</span></div> </div> </td> </tr> </table> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Calculating Your Income Payments</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The annual maximum Income Payment is the amount you are entitled to receive each Income Benefit Year. On the Income Benefit Date, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">if you select the Level Income payment option and all Covered Persons are age 80 or younger (and were age 75 or younger on the Issue Date)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> your initial annual maximum Income Payment is the greater of the following:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Level Income Guarantee Payment Percentage based on the Covered Person’s current age (or the younger Covered Person’s current age for joint payments) multiplied by total Purchase Payments reduced for withdrawals you took. Withdrawals reduce total Purchase Payments by the percentage of Contract Value withdrawn (including any MVA), determined at the end of each Business Day. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">All withdrawals you take reduce your total Purchase Payments, even MVA-Free Withdrawals. However, we do not reduce your total Purchase Payments for deductions we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Lifetime Income Percentage for the payment type you select multiplied by the Contract Value determined at the end of the Business Day after we deduct the product fee, rider fee, and contract maintenance charge and apply any Performance Credits, but before we make any Income Payments or Excess Withdrawals, or we deduct any investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Covered Persons do not meet these age requirements (age 80 or younger on the Income Benefit Date, and age 75 or younger on the Issue Date), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or if you select the Increasing Income payment option,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> we instead calculate your initial annual maximum Income Payment as stated in the second bullet above (the Lifetime Income Percentage for the payment type you select multiplied by the Contract Value determined at the end of the Business Day after we deduct the product fee, rider fee, and contract maintenance charge and apply any Performance Credits, but before we make any Income Payments or deduct Excess Withdrawals).</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:86pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">If you have Contract Value in an Index Option for which the Income Benefit Date is not a Term End Date, we </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">will execute a Performance Lock for that Index Option if it is not locked and then immediately calculate and </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">begin your Income Payments, and in such case the Index Option Value will be subject to the Daily Adjustment. </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">If you have Index Options with different Term End Dates, there may be no Income Benefit Date you can select </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">without application of at least one Daily Adjustment. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">This means you may not receive the full benefit of the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Performance Credit that you would have received if you had waited until the Term End Date to begin Income </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Payments.</span></div> </div> </td> </tr> <tr style="height:72pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">We use Contract Value to calculate your initial annual maximum Income Payment, and Income Payment increases </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">under the Level Income payment option. Negative Index Option performance, withdrawals you take, and deductions </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">we make for Contract fees, expenses, and investment advisory fees that you authorize your Financial Professional’s </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">firm to receive from the Contract decrease the Contract Value, which reduces the initial annual maximum Income </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Payment available to you. Negative Index Returns and Performance Credits of zero also reduce the likelihood you </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">will receive Income Payment increases.</span></div> </div> </td> </tr> </table> <div style="line-height:13.0pt;margin-top:16pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:16.0pt;position:relative;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:lowercase;">12.</span><span style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;text-transform:uppercase;"> </span><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Death Benefit</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">“You” in this section refers to the Owner, or the Annuitant if the Contract is owned by a non-individual.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Contract provides the Traditional Death Benefit, the standard death benefit, for no additional charge. If available, you can instead select the optional Maximum Anniversary Value Death Benefit at Contract issue for an additional rider fee if all Owners and the Annuitant are age 75 or younger. The Maximum Anniversary Value Death Benefit can only be added to a Contract at issue. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Maximum Anniversary Value Death Benefit cannot be less than the Traditional Death Benefit, but they may be equal. Please discuss this benefit’s appropriateness with your Financial Professional.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> The death benefit is the greatest of the Contract Value, Cash Value, or Guaranteed Death Benefit Value. The Guaranteed Death Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any MVA) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. </span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The death benefit is only available during the Accumulation Phase (and Income Period, if applicable).</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If you or the Determining Life (Lives) die during the Accumulation Phase, we process the death benefit using prices determined after we receive the required information, which is either a Valid Claim or due proof of death as stated here. (For information on due proof of death see the Glossary – Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next Business Day’s prices.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If there are multiple Beneficiaries, each Beneficiary receives the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary’s interest in this Contract ends unless your Beneficiary designation specifies otherwise. If there are no remaining Beneficiaries, or no named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless you instruct us to pay Beneficiaries a specific percentage of the death benefit, each Beneficiary receives an equal share.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Beneficiary’s portion of the death benefit remains in the Index Options based on the allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate allocation instructions. If there is Variable Account Value in the Variable Option on the date of death, it remains there until the next Index Anniversary. If an Index Anniversary occurs before we receive a Valid Claim, we will transfer that Beneficiary’s portion of the Variable Account Value to the Index Options based on the allocation instructions that were in effect on the date of death.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">From the time we determine the death benefit until we make a complete distribution, any amount in the Investment Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may no longer accept or process transfer requests. After we receive the first Valid Claim from any Beneficiary, we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax law.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the first death of a Determining Life during the Accumulation Phase, if your selected death benefit is in effect, your Beneficiary(ies) will receive the greatest of the Contract Value, Cash Value (which on death is the Contract Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">after</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">application of any MVA), or Guaranteed Death Benefit Value. A positive MVA will increase the death benefit if Cash Value is greater than the Guaranteed Death Benefit Value. However, if the MVA is negative the death benefit will be the greater of Contract Value (without adjustment for the negative MVA), or the Guaranteed Death Benefit Value. The </span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Guaranteed Death Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any MVA) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. For example, assume total Purchase Payments are $90,000, you take no withdrawals, the highest Contract Value on any Index Anniversary (the Maximum Anniversary Value) is $105,000, the current Contract Value is $100,000, and the Cash Value is $97,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value, and for the Maximum Anniversary Value Death Benefit it is the $105,000 Maximum Anniversary Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the date we are determining the death benefit is not the Term End Date, the Contract Value reflects the Daily Adjustment. Withdrawals you take reduce your Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn (including any MVA), determined at the end of each Business Day. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">All withdrawals you take reduce the Guaranteed Death Benefit Value, Contract Value, and Cash Value, even MVA-Free Withdrawals. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees, expenses, or investment advisory fees that you authorize your Financial Professional’s firm to receive from the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">These deductions will, however, decrease the Contract Value and Cash Value by the dollar amount withdrawn and may reduce the likelihood of receiving increases to the Maximum Anniversary Value. In addition, because the death benefit is the greatest of Contract Value, Cash Value or the Guaranteed Death Benefit Value, deductions we make for Contract fees, expenses, and authorized investment advisory fees may reduce the death benefit available to your Beneficiaries.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Examples of the impact of deductions for investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract on the death benefit are included in section 1. The impact of an Excess Withdrawal on the death benefit is included in section 11.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Maximum Anniversary Value</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Maximum Anniversary Value is initially equal to the Purchase Payment received on the Issue Date. At the end of each Business Day, we adjust the Maximum Anniversary Value as follows.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We increase it by the dollar amount of any additional Purchase Payments.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We reduce it by the percentage of any Contract Value you withdraw (including any MVA).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Effective Date occurs after the Issue Date, the Maximum Anniversary Value on the Index Effective Date is calculated in the same way as on an Index Anniversary.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each Index Anniversary before the end date (or on the next Business Day if the Index Anniversary is not on a Business Day) the Maximum Anniversary Value is equal to the greater of:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">its current value after processing any additional Purchase Payments, or withdrawals you take (including any MVA), or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Contract Value determined at the end of the Business Day after we process all daily transactions including Performance Credits, any additional Purchase Payments, withdrawals you take including any MVA, and deductions we make for Contract fees, expenses, and investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. Contract Value reflects the Daily Adjustment for an Index Option for which this anniversary is not a Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Negative Index Option performance, withdrawals you take, and deductions we make for Contract fees, expenses, and investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract decrease the Contract Value and may reduce the likelihood of receiving increases to the Maximum Anniversary Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On and after the end date, we no longer make this comparison and we no longer capture any annual investment gains in the Maximum Anniversary Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The end date occurs on the earliest of:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the older Determining Life’s 91</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> birthday, or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the end of the Business Day we receive the first Valid Claim from any one Beneficiary.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Example of the Maximum Anniversary Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="empty-cells:show;margin-left:110.92pt;width:272.15pt; border-spacing: 0px;"> <tr style="height:10.75pt;"> <td style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Bottom;width:84.81pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> </span></div> </div> </td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:69.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.60%;margin-right:8.60%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract Value</span></div> </div> </div> </td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:117.56pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:5.10%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</span></div> </div> </div> </td> </tr> <tr style="height:12.75pt;"> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">95,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">4</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 120,000</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 120,000</span></div> </div> </div> </td> </tr> </table> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the Issue Date the Maximum Anniversary Value is equal to the initial Purchase Payment of $100,000.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversary the Contract Value is greater than the Maximum Anniversary Value, so the Maximum Anniversary Value increases to equal the Contract Value of $110,000.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the 2</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and 3</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversaries the Contract Value is less than the Maximum Anniversary Value, so we neither increase nor decrease the Maximum Anniversary Value. The Maximum Anniversary Value will stay at $110,000 until the Contract Value on an Index Anniversary is greater than this amount or you make an additional Purchase Payment (either of which will increase the Maximum Anniversary Value), or you take a withdrawal (which will decrease the Maximum Anniversary Value).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the 4</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversary the Contract Value is greater than the Maximum Anniversary Value, so the Maximum Anniversary Value increases to equal the Contract Value of $120,000.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:14pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">During the Income Period:</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">You cannot make additional Purchase Payments. If your Contract includes the Traditional Death Benefit this means </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">the Guaranteed Death Benefit Value no longer increases.</span></div> </div> </td> </tr> <tr style="height:60pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Index Dual Precision Strategy, Index Precision Strategy, Index Performance Strategy, and Index Guard Strategy are </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">no longer available. This may limit your Contract’s performance potential and the Guaranteed Death Benefit Value if </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">your Contract includes the Maximum Anniversary Value Death Benefit. Income Payments and Excess Withdrawals </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">also decrease your Contract Value, which also reduces the likelihood of locking in investment gains to the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Guaranteed Death Benefit Value if your Contract includes the Maximum Anniversary Value Death Benefit.</span></div> </div> </td> </tr> <tr style="height:36pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Each Income Payment and any Excess Withdrawal reduces the Guaranteed Death Benefit Value by the percentage of </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Contract Value withdrawn (including any MVA)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">, which means this value may be reduced by more than the amount </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">withdrawn</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Taking Excess Withdrawals may also cause your selected death benefit to end prematurely.</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">What Happens Upon Death?</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you are the Determining Life, or if you and the Determining Life (Lives) are different individuals and die within 120 hours of each other, we determine the Guaranteed Death Benefit Value at the end of the Business Day we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Guaranteed Death Benefit Value determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary,</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract Value determined at the end of the Business Day during which we receive his or her Valid Claim, or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cash Value determined at the end of the Business Day during which we receive his or her Valid Claim.</span></div> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In this instance, if the Beneficiary:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">is a surviving spouse and chooses to continue the Contract;</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">selects death benefit payment Option B; or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">− </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">selects death benefit payment Option C and takes payment over a period not extending beyond the Beneficiary’s life expectancy;</span></div> <div style="margin-top:7pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and the Contract Value is less than the Cash Value or Guaranteed Death Benefit Value, we increase the Contract Value to equal the greatest of these amounts when we receive a Valid Claim.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you and the Determining Life (Lives) are different individuals and do not die within 120 hours of each other, the death benefit is as follows. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">This can only occur if you change the Owner after the Issue Date.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If a Determining Life dies before you, we do not pay a death benefit to the Beneficiary(ies), but we may increase the Contract Value if the Traditional Death Benefit or Maximum Anniversary Value Death Benefit are still in effect</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">. At the end of the Business Day we receive due proof of a Determining Life’s death, if the Contract Value is less than the Cash Value or Guaranteed Death Benefit Value, we increase the Contract Value to equal the greatest of these amounts, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">and your selected death benefit ends</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon your death, your Beneficiary(ies) receive the greater of Contract Value or Cash Value determined at the end of the Business Day during which we receive each Beneficiary’s Valid Claim.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, if we increase the Contract Value to equal the Guaranteed Death Benefit Value or Cash Value, we allocate this increase to the Variable Option. On the next Index Anniversary we transfer the Variable Account Value to the Index Options according to the allocation instructions.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The Traditional Death Benefit and Maximum Anniversary Value Death Benefit end upon the earliest of the following:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day before the Annuity Date.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day that the Guaranteed Death Benefit Value and Contract Value are both zero.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individual, or if you and the Determining Life (Lives) are different individuals and die within 120 hours of each other.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of a Determining Life, the end of the Business Day we receive due proof of the Determining Life’s death if you and the Determining Life (Lives) are different individuals and do not die within 120 hours of each other.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining Life.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Business Day the Contract ends.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:26pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We base the Guaranteed Death Benefit Value on the first death of a Determining Life (or Lives). This means that upon </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the death of an Owner (or Annuitant if the Owner is a non-individual), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">if a surviving spouse continues the Contract:</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">the Guaranteed Death Benefit Value is no longer available, and</span></div> </div> </td> </tr> <tr style="height:12pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">if you selected the Maximum Anniversary Value Death Benefit, we no longer assess its 0.20% rider fee.</span></div> </div> </td> </tr> <tr style="height:30pt;"> <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Also, if you and the Determining Life (Lives) are different individuals and you die first, the Guaranteed Death Benefit </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Value is not available to your Beneficiary(ies).</span></div> </div> </td> </tr> </table> <div style="margin-top:12pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death of the Owner and/or Annuitant</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The SAI includes tables that are intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different phases of the Contract.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death Benefit Payment Options During the Accumulation Phase</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Each Beneficiary must select one of the death benefit payment options listed below.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Beneficiary requests a lump sum payment under Option A, we pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state forms.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Spousal Continuation:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the Beneficiary is the deceased Owner’s spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own name. For an IRA, Roth IRA, or SEP IRA Contract, spousal continuation can only occur if the surviving spouse is the Contract’s sole primary Beneficiary. For Qualified Contracts purchased through a qualified plan, spousal continuation is only available through a direct rollover to an IRA. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Spouses must qualify as such under federal law to continue the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Individuals who have entered into a registered domestic partnership, civil union, or other similar relationship that is not considered to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on the death claim form before we pay the death benefit. If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim, if the Contract Value is less than the Cash Value or Guaranteed Death Benefit Value (if available), we increase the Contract Value to equal the greatest of these amounts, and your selected death benefit (either the Traditional Death Benefit or the Maximum Anniversary Value Death Benefit) ends. If the surviving spouse continues the Contract:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">he or she becomes the new Owner and may exercise all of the Owner’s rights, including naming a new Beneficiary or Beneficiaries;</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">he or she is subject to any remaining MVA period; and</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">upon the surviving spouse’s death, their Beneficiary(ies) receive the Contract Value determined at the end of the Business Day during which we receive a Valid Claim from each Beneficiary.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Death Benefit Payment Options</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following applies to Non-Qualified Contracts. Different rules may apply to Qualified Contracts. For more information, please see section 13, Taxes – Distributions Upon the Owner’s Death (or Annuitant’s Death if the Owner is a Non-Individual).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option A:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Lump sum payment of the death benefit.</span></div> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option B:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Payment of the entire death benefit within five years of the date of any Owner’s death. The Beneficiary can continue to make transfers between Index Options and is subject to the product fee.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Option C:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> If the Beneficiary is an individual, payment of the death benefit as Annuity Payments under Annuity Options A, B, or C. If you take the death benefit as Annuity Payments, we do not require that the Annuity Date occur on an Index Anniversary. With our written consent other options may be available for payment over a period not extending beyond the Beneficiary’s life expectancy under which the Beneficiary can continue to make transfers between Index Options and is subject to the product fee.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Distribution from Non-Qualified Contracts under Option C must begin within one year of the date of the Owner’s death. Any portion of the death benefit from Non-Qualified Contracts not applied to Annuity Payments within one year of the date of the Owner’s death must be distributed within five years of the date of death.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If a Non-Qualified Contract is owned by a non-individual, then we treat the death of an Annuitant as the death of an Owner for purposes of the Code’s distribution at death rules, which are set forth in Section 72(s) of the Code.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">In all events, notwithstanding any provision to the contrary in the Contract or this prospectus, a Non-Qualified Contract is interpreted and administered in accordance with Section 72(s) of the Code.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Maximum Anniversary Value</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Maximum Anniversary Value is initially equal to the Purchase Payment received on the Issue Date. At the end of each Business Day, we adjust the Maximum Anniversary Value as follows.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We increase it by the dollar amount of any additional Purchase Payments.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We reduce it by the percentage of any Contract Value you withdraw (including any MVA).</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">If the Index Effective Date occurs after the Issue Date, the Maximum Anniversary Value on the Index Effective Date is calculated in the same way as on an Index Anniversary.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On each Index Anniversary before the end date (or on the next Business Day if the Index Anniversary is not on a Business Day) the Maximum Anniversary Value is equal to the greater of:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">its current value after processing any additional Purchase Payments, or withdrawals you take (including any MVA), or</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Contract Value determined at the end of the Business Day after we process all daily transactions including Performance Credits, any additional Purchase Payments, withdrawals you take including any MVA, and deductions we make for Contract fees, expenses, and investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract. Contract Value reflects the Daily Adjustment for an Index Option for which this anniversary is not a Term End Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">Negative Index Option performance, withdrawals you take, and deductions we make for Contract fees, expenses, and investment advisory fees you authorize your Financial Professional’s firm to receive from the Contract decrease the Contract Value and may reduce the likelihood of receiving increases to the Maximum Anniversary Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On and after the end date, we no longer make this comparison and we no longer capture any annual investment gains in the Maximum Anniversary Value.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The end date occurs on the earliest of:</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the older Determining Life’s 91</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> birthday, or</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the end of the Business Day we receive the first Valid Claim from any one Beneficiary.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Example of the Maximum Anniversary Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span></div> <table cellpadding="0" style="empty-cells:show;margin-left:110.92pt;width:272.15pt; border-spacing: 0px;"> <tr style="height:10.75pt;"> <td style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Bottom;width:84.81pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> </span></div> </div> </td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:69.78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.60%;margin-right:8.60%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract Value</span></div> </div> </div> </td> <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:117.56pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:5.10%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</span></div> </div> </div> </td> </tr> <tr style="height:12.75pt;"> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.56pt;">95,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.6pt;">110,000</span></div> </div> </div> </td> </tr> <tr style="height:11pt;"> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;width:84.81pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">4</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</span></div> </div> </td> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:69.78pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:57.78pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 120,000</span></div> </div> </div> </td> <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:117.56pt;"> <div style="line-height:12pt;margin-left:6pt;text-align:right;width:111.56pt;"> <div style="display:flex;margin:auto;width:36.2pt;"> <div style="display:flex;white-space:nowrap;width:36.2pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 120,000</span></div> </div> </div> </td> </tr> </table> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the Issue Date the Maximum Anniversary Value is equal to the initial Purchase Payment of $100,000.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the 1</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversary the Contract Value is greater than the Maximum Anniversary Value, so the Maximum Anniversary Value increases to equal the Contract Value of $110,000.</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the 2</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">nd</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> and 3</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">rd</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversaries the Contract Value is less than the Maximum Anniversary Value, so we neither increase nor decrease the Maximum Anniversary Value. The Maximum Anniversary Value will stay at $110,000 until the Contract Value on an Index Anniversary is greater than this amount or you make an additional Purchase Payment (either of which will increase the Maximum Anniversary Value), or you take a withdrawal (which will decrease the Maximum Anniversary Value).</span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">● </span></div> <div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">On the 4</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Index Anniversary the Contract Value is greater than the Maximum Anniversary Value, so the Maximum Anniversary Value increases to equal the Contract Value of $120,000.</span></div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:13.0pt;margin-top:9pt;text-align:left;"> <hr style="background-color:#000000;height:2pt;margin-bottom:2pt;margin-left:0%;margin-top:0pt;text-align:left;top:-2pt;width:494pt;"/><span style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">Appendix A – Investment Options Available Under the Contract</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The availability of Investment Options may vary depending on the broker-dealer through which the Contract is sold. See Appendix H – Financial Intermediary Variations for additional information.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Variable Option</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following includes information about the Fund available under the Contract. More information about the Fund is available in the Fund’s prospectus, which may be amended from time to time and can be found online at https://www.allianzlife.com/variableoptions. You can also request this information at no cost by calling (800) 624-0197, or by sending an email request to prospectus.request@allianzlife.com.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the Fund, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. The Fund’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> </div> <div style="line-height:0.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:25pt;"> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:154.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div> </div> </td> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:133pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Fund and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Adviser/Subadviser</span></div> </div> </td> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div> </div> </td> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">(as of December 31, 2025)</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Years</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Years</span></div> </div> </td> </tr> <tr style="height:72pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:154.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current income consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">stability of principal</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:133pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AZL</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Government Money </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;line-height:10pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Adviser: Allianz Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Management LLC</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Subadviser: BlackRock </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Advisors, LLC</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.65%</span></div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3.70%</span></div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">2.62%</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:2pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">1.57%</span></div> </div> </div> </td> </tr> </table> </div> <div> <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;"> <div style="float:left;line-height:7pt;text-align:left;width:6.99pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">(1)</span></div> <div style="float:left;line-height:10pt;margin-left:9.01pt;text-align:left;width:473.00pt;"><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">The AZL</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;font-weight:bold;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;"> Government Money Market Fund’s annual expenses reflect a temporary fee reduction. Please see the AZL</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;font-weight:bold;position:relative;top:-5.5pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;"> Government Money Market Fund’s prospectus for information regarding the expense reimbursement or fee waiver arrangement.</span></div> </div> <div style="clear:both;position:relative;"> </div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Options</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following is a list of Index Options currently available under the Contract. We may change certain features of the Index Options listed below (including the Index and the current limits on Index gains), offer new Index Options, and close Index Options to new Purchase Payments and transfers. We will provide 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 available at https://www.allianzlife.com/RILAincomeadvrates. During the Income Phase of the Income Benefit, you may not be able to invest in certain Index Options, as noted below.</span></div> </div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Note: If amounts are removed from an Index Option before the Term End Date, we will apply a Daily Adjustment. Except for Index Options under the Index Protection Strategy with Trigger and Index Protection Strategy with Cap, this may result in a significant reduction in your Contract Value that could exceed any protection from Index loss that would be in place if such amounts were not removed from the Index Option until the Term End Date. The Index Protection Strategy with Trigger and Index Protection Strategy with Cap are unique in that the Daily Adjustment for them cannot be negative.</span></div> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For more information about the Index Options’ features, see section 4, Index Options, and section 6, Valuing Your Contract. For more information about Daily Adjustment, see section 7, Expenses and Adjustments – Daily Adjustment.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <div style="line-height:0.0pt;margin-top:6pt;text-align:left;"> <div style="margin-top:6pt;"> </div> </div> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:43pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index Type</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Crediting </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Period</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(Term </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Length)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Crediting </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Methodology</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current Limit on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Index Loss</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(if held until </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Term End Date)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:111.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Minimum Limit on Index Gain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(for the life of the Index </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Option)</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Protection Strategy with Trigger</span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• During the Income Period, this is one of the two Crediting Methods available to you.</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">100% downside </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">protection</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">0.50% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Protection Strategy with Cap</span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• During the Income Period, this is one of the two Crediting Methods available to you.</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">100% downside </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">protection</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">0.50% minimum Cap</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:64pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision Strategy</span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued before November 14, 2023, the Index Dual Precision Strategy is not available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued from November 14, 2023, to April 30, 2024, only the 1-year Term with 10% Buffer is available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued from May 1, 2024, to November 4, 2024, only the 1-year Term with 10%, 20%, and 30% Buffers are available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued from November 5, 2024, to November 3, 2025, all 1-year Term with 10%, 20%, and 30% Buffers are available. Additionally, only the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">3-year Term with 10% and 20% Buffers, and 6-year Term with 10% and 20% Buffers are available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued since November 4, 2025, all 1-year, 3-year, and 6-year Term Index Options listed below are available.</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3-year Term</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">4% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:20pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6-year Term</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="2" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">8% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> </table> </div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="margin-top:0.0pt;"> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:43pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index Type</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Crediting </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Period</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(Term </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Length)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Crediting </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Methodology</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current Limit on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Index Loss</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(if held until </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Term End Date)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:111.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Minimum Limit on Index Gain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(for the life of the Index </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Option)</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">10% Buffer</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">-10% Floor</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3% minimum Cap</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:56pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Performance Strategy</span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued before November 14, 2023, only the 1-year Term with 10% Buffer, 3-year Term with 10% and 20% Buffers, and 6-year Term with 10% </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Buffer are available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued from November 14, 2023, to November 3, 2025, only the 1-year Term with 10%, 20%, and 30% Buffers, 3-year Term with 10% and 20% </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Buffers, and 6-year Term with 10% and 20% Buffers are available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued since November 4, 2025, all 1-year, 3-year, and 6-year Term Index Options listed below are available.</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(3)</span> <div style="clear:right;"> </div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3-year Term</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">upside</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 5% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(3)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 100% minimum Participation </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Rate</span></div> </div> </td> </tr> <tr style="height:30pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6-year Term</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">upside</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="2" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(3)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 100% minimum Participation </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Rate</span></div> </div> </td> </tr> <tr style="height:27pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> </table> </div> <div style="line-height:10.0pt;margin-left:16pt;margin-top:9pt;text-align:left;"> <div style="margin-top:9pt;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:-16pt;position:relative;top:-3.25pt;">(1)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">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, which will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index. For the EURO STOXX 50</span><span style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">, this Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.</span></div> </div> <div style="line-height:10.0pt;margin-left:16pt;margin-top:0.5pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:-16pt;position:relative;top:-3.25pt;">(2)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">This Index is an ETF. Index Values are based on the ETF’s closing share price. Index performance is calculated on a “price return” basis, not a “total return” basis, and therefore does not reflect the dividends paid on the securities in which the ETF invests. In addition, an ETF deducts fees and costs, which reduce Index performance. These factors will reduce the Index Return and may cause the Index to underperform a direct investment in the ETF or the securities in which the ETF invests.</span></div> <div style="line-height:10.0pt;margin-left:16pt;margin-top:0.5pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:5pt;margin-left:-16pt;position:relative;top:-3.25pt;">(3)</span> <div> </div><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">May be uncapped for a Term.</span></div> </div> <div style="margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;"> <div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The current limit on Index loss for an Index Option will not change for the life of that Index Option. However, we reserve the right to add new Index Options, as well as close Index Options to new Purchase Payments and transfers. As such, the limits on Index loss offered under the Contract may change from one Term to the next if we add an Index Option or discontinue accepting new allocations into an Index Option.</span></div> <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">If we offer a new Index Option with a Buffer or Floor in the future, the Buffer or Floor will be no lower than 5% or -25%, respectively. The lowest Trigger Rate, Cap, and Participation Rate that we may establish if we add a new Index Option to the Contract are 0.05%, 0.05%, and 5.00%, respectively.</span></div> </div> <div style="line-height:10.0pt;margin-top:6.5pt;text-align:left;"> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">At least one Index Option with a Buffer no lower than 5% or Floor no lower than -25%, or an Index Option that provides complete protection from Index losses, will always be available for renewal under the Contract.</span></div> </div> </div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following includes information about the Fund available under the Contract. More information about the Fund is available in the Fund’s prospectus, which may be amended from time to time and can be found online at https://www.allianzlife.com/variableoptions. You can also request this information at no cost by calling (800) 624-0197, or by sending an email request to prospectus.request@allianzlife.com.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the Fund, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. The Fund’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;"> </span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:25pt;"> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:154.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div> </div> </td> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:133pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Fund and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Adviser/Subadviser</span></div> </div> </td> <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div> </div> </td> <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">(as of December 31, 2025)</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Years</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Years</span></div> </div> </td> </tr> <tr style="height:72pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:154.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current income consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">stability of principal</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:133pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AZL</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Government Money </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;line-height:10pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Adviser: Allianz Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Management LLC</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Subadviser: BlackRock </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Advisors, LLC</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.65%</span></div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3.70%</span></div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">2.62%</span></div> </div> </div> </td> <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;"> <div style="line-height:10pt;margin-left:4pt;margin-right:2pt;text-align:right;width:42pt;"> <div style="display:flex;margin:auto;width:27.51pt;"> <div style="display:flex;white-space:nowrap;width:27.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;">1.57%</span></div> </div> </div> </td> </tr> </table> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current income consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">stability of principal</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AZL</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> Government Money </span></div> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Fund</span> Allianz Investment <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Management LLC</span></div> BlackRock <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Advisors, LLC</span></div> 0.0065 0.037 0.0262 0.0157 <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following is a list of Index Options currently available under the Contract. We may change certain features of the Index Options listed below (including the Index and the current limits on Index gains), offer new Index Options, and close Index Options to new Purchase Payments and transfers. We will provide 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 available at https://www.allianzlife.com/RILAincomeadvrates. During the Income Phase of the Income Benefit, you may not be able to invest in certain Index Options, as noted below.</span></div> <div style="margin-top:6pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Note: If amounts are removed from an Index Option before the Term End Date, we will apply a Daily Adjustment. Except for Index Options under the Index Protection Strategy with Trigger and Index Protection Strategy with Cap, this may result in a significant reduction in your Contract Value that could exceed any protection from Index loss that would be in place if such amounts were not removed from the Index Option until the Term End Date. The Index Protection Strategy with Trigger and Index Protection Strategy with Cap are unique in that the Daily Adjustment for them cannot be negative.</span></div> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:43pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index Type</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Crediting </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Period</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(Term </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Length)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Crediting </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Methodology</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current Limit on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Index Loss</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(if held until </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Term End Date)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:111.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Minimum Limit on Index Gain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(for the life of the Index </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Option)</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Protection Strategy with Trigger</span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• During the Income Period, this is one of the two Crediting Methods available to you.</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">100% downside </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">protection</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">0.50% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:24pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Protection Strategy with Cap</span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• During the Income Period, this is one of the two Crediting Methods available to you.</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">100% downside </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">protection</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">0.50% minimum Cap</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:64pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision Strategy</span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued before November 14, 2023, the Index Dual Precision Strategy is not available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued from November 14, 2023, to April 30, 2024, only the 1-year Term with 10% Buffer is available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued from May 1, 2024, to November 4, 2024, only the 1-year Term with 10%, 20%, and 30% Buffers are available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued from November 5, 2024, to November 3, 2025, all 1-year Term with 10%, 20%, and 30% Buffers are available. Additionally, only the </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">3-year Term with 10% and 20% Buffers, and 6-year Term with 10% and 20% Buffers are available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued since November 4, 2025, all 1-year, 3-year, and 6-year Term Index Options listed below are available.</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3-year Term</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">4% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:20pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6-year Term</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="2" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">8% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:17pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> </table> <table cellpadding="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt; border-spacing: 0px;"> <tr style="height:43pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:101pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index Type</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Crediting </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Period</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(Term </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Length)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Index </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Crediting </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Methodology</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current Limit on </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Index Loss</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(if held until </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Term End Date)</span></div> </div> </td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:111.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Minimum Limit on Index Gain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">(for the life of the Index </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">Option)</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with step-up</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">10% Buffer</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3% minimum Trigger Rate</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">-10% Floor</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3% minimum Cap</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:56pt;"> <td colspan="6" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:494.0pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Performance Strategy</span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued before November 14, 2023, only the 1-year Term with 10% Buffer, 3-year Term with 10% and 20% Buffers, and 6-year Term with 10% </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Buffer are available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued from November 14, 2023, to November 3, 2025, only the 1-year Term with 10%, 20%, and 30% Buffers, 3-year Term with 10% and 20% </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Buffers, and 6-year Term with 10% and 20% Buffers are available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:8pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">• For Contracts issued since November 4, 2025, all 1-year, 3-year, and 6-year Term Index Options listed below are available.</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">1-year Term</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(3)</span> <div style="clear:right;"> </div> </div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. &amp; international </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">non-financial large-cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Eurozone large-cap equities</span></div> </div> </td> </tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(2)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">International emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">markets equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">3-year Term</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">upside</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="2" style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 5% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(3)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 100% minimum Participation </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Rate</span></div> </div> </td> </tr> <tr style="height:30pt;"> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="background-color:#F2F2F2;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. large-cap equities</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">6-year Term</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:56pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Point-to-point </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">with Cap and </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">enhanced </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">upside</span></div> </div> </td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:68pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 20% Buffer</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 30% Buffer</span></div> </div> </td> <td rowspan="2" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:111.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 10% minimum Cap</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(3)</span> <div style="clear:right;"> </div> </div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">• 100% minimum Participation </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:6.6pt;">Rate</span></div> </div> </td> </tr> <tr style="height:27pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</span> <div style="clear:right;"> </div> </div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:101pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">U.S. small-cap equities</span></div> </div> </td> </tr> </table> <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. large-cap equities P1Y P1Y P1Y P1Y P1Y Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up 1 1 1 1 1 0.005 0.005 0.005 0.005 0.005 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. & international non-financial large-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span> Eurozone large-cap equities <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span> International emerging markets equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. large-cap equities P1Y P1Y P1Y P1Y P1Y Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap 1 1 1 1 1 0.005 0.005 0.005 0.005 0.005 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. & international non-financial large-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span> Eurozone large-cap equities <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span> International emerging markets equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. large-cap equities P1Y P1Y P1Y P1Y P1Y Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up 0.30 0.30 0.30 0.30 0.30 Buffer Buffer Buffer Buffer Buffer 0.03 0.03 0.03 0.03 0.03 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. & international non-financial large-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span> Eurozone large-cap equities <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span> International emerging markets equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. large-cap equities P3Y P3Y Point-to-point with step-up Point-to-point with step-up 0.30 0.30 Buffer Buffer 0.04 0.04 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. large-cap equities P6Y P6Y Point-to-point with step-up Point-to-point with step-up 0.30 0.30 Buffer Buffer 0.08 0.08 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. large-cap equities P1Y P1Y P1Y P1Y P1Y Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up Point-to-point with step-up 0.10 0.10 0.10 0.10 0.10 Buffer Buffer Buffer Buffer Buffer 0.03 0.03 0.03 0.03 0.03 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. & international non-financial large-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span>® Eurozone large-cap equities <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span> International emerging markets equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. large-cap equities P1Y P1Y P1Y P1Y P1Y Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap -0.10 -0.10 -0.10 -0.10 -0.10 Floor Floor Floor Floor Floor 0.03 0.03 0.03 0.03 0.03 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. & international non-financial large-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span>® Eurozone large-cap equities <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span> International emerging markets equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. large-cap equities P1Y P1Y P1Y P1Y P1Y Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap Point-to-point with Cap 0.30 0.30 0.30 0.30 0.30 Buffer Buffer Buffer Buffer Buffer 0.03 0.03 0.03 0.03 0.03 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. & international non-financial large-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">EURO STOXX 50</span>® Eurozone large-cap equities <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">iShares</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> MSCI Emerging </span></div> <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Markets ETF</span> International emerging markets equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. large-cap equities P3Y P3Y Point-to-point with Cap and enhanced upside Point-to-point with Cap and enhanced upside 0.30 0.30 Buffer Buffer 0.05 0.05 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. small-cap equities <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. large-cap equities P6Y P6Y Point-to-point with Cap and enhanced upside Point-to-point with Cap and enhanced upside 0.30 0.30 Buffer Buffer 0.10 0.10 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-3.75pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;"> Index</span> U.S. small-cap equities <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><b>ITEM 31A. INFORMATION ABOUT CONTRACTS WITH INDEX-LINKED OPTIONS AND FIXED OPTIONS SUBJECT TO A CONTRACT ADJUSTMENT</b></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(a) For the calendar year ended December 31, 2025:</p> <table cellpadding="0" style="font: 8pt Arial Narrow, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px"> <tr> <td style="padding: 4pt; border: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Name of the Contract</span></td> <td style="padding: 4pt; border-top: black 1.5pt solid; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Number of Contracts outstanding</span></td> <td style="padding: 4pt; border-top: black 1.5pt solid; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Total value attributable to the Index-Linked Option and/or Fixed Option subject to a Contract Adjustment</span></td> <td style="padding: 4pt; border-top: black 1.5pt solid; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Number of Contracts sold during the prior calendar year</span></td> <td style="padding: 4pt; border-top: black 1.5pt solid; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Gross premiums received during the prior calendar year</span></td> <td style="padding: 4pt; border-top: black 1.5pt solid; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Amount of Contract value redeemed during the prior calendar year</span></td> <td style="padding: 4pt; border-top: black 1.5pt solid; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Combination Contract (Yes/No)</span></td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: black 1.5pt solid; border-bottom: black 1.5pt solid; border-left: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif"><span style="font-family: Arial, Helvetica, Sans-Serif">Allianz Index Advantage Income ADV</span></td> <td style="padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; border-right: black 1.5pt solid; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">1,848</span></td> <td style="padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; border-right: black 1.5pt solid; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">$553,291,652</span></td> <td style="padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; border-right: black 1.5pt solid; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">981</span></td> <td style="padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; border-right: black 1.5pt solid; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">$204,189,217</span></td> <td style="padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; border-right: black 1.5pt solid; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">$24,320</span></td> <td style="padding: 4pt; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; border-right: black 1.5pt solid; text-align: center"><span style="font-family: Arial, Helvetica, Sans-Serif">Yes</span></td></tr> </table> Allianz Index Advantage Income ADV 1848 553291652 981 204189217 24320 true 0000072499 false 2026-04-17 Base Contract fee is comprised of two charges referred to as the “product fee” and the “rider fee for the Income Benefit” in the Contract and elsewhere in this prospectus. As a percentage of the Charge Base, plus an amount attributable to the contract maintenance charge. As a percentage of the AZL Government Money Market Fund's average daily net assets. Referred to as the “contract maintenance charge” in the Contract and elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment. See section 7, Expenses and Adjustments – Contract Maintenance Charge (Administrative Expenses).